Questions: If a defendant fails to respond, the collection agency will -- immediately seize assets for auction request that the debtor be served with papers again request a default judgment work with the judge to settle the matter in a civil trial

The answer is request a default judgment.

This option is incorrect because a collection agency cannot immediately seize assets without a court order. Asset seizure typically requires a legal process, including obtaining a judgment and possibly a writ of execution.

This option is unlikely because if the defendant has already been served and fails to respond, the next step is usually to seek a default judgment rather than serving papers again.

This is the correct option. If a defendant fails to respond to a lawsuit, the collection agency can request a default judgment from the court. A default judgment is a binding judgment in favor of the plaintiff when the defendant fails to take action.

This option is incorrect because if the defendant does not respond, there is no need for a civil trial. The collection agency would seek a default judgment instead.