Regional Finance retains the legal right to take a borrower to court if a loan enters deep default and all internal collection efforts or workout attempts fail. Like most traditional installment lenders, if payments cease entirely and communication breaks down, the company can pursue legal action through civil courts to secure judgments, garnish wages, or place liens on pledged collateral such as an auto title. Court action is typically viewed as a last resort option after months of delinquency, as lenders prefer negotiating modified payment arrangements, hardship plans, or settlements before moving through formal legal channels.