The creditor could, provided the debt is still within the statute of limitations in the state they bring a civil action seeking a judgment, file a civl action seeking recovery.
However, as stated in earlier responses, debt is not a criminal matter in the U.S., so you will not be charged with a criminal offense or arrested.
The effects could be entry of a judgment into your credit report.
Once the creditor has obtained a judgment, they can then proceed to attempting to attach your assets or garnish your pay.
If that is also successful, you will then have a court ordered garnishment filed with your emplpyer.
When did each debt first become delinquent?
