I don't pay my phone bill.

我不交话费了
I don't even have a phone anymore, so no one can come and get--

我连手机都没了所以谁都找不到我
they knock on my door and I don't answer the door.

他们敲我的们我就是不开
What did courts do--what did creditors do? In the various states,

法庭能怎么样债权人能怎么样在很多州
they can go to a state court and appeal to the court

他们可以去州法院向法庭申诉
to garnish your salary and you don't have to do anything;

要求征收你的工资而你什么也不用做
you don't have to show up. They go to--they find out

你不用上庭他们只需找到
who your employer is and then the State gives an order

你的雇主然后州法院会下令
for the employer to take money out of your paycheck

要你的雇主从你的工资里扣一些钱
to help pay your debts. You never even figure out what happened.

偿还债务你根本就不知道出了什么事
In fact, you might not even

事实上你可能压根就
know it because you don't read your pay stub

没看过工资条所以根本不明白怎么回事