A debt collection agency will first send or give you a notice. The notice will ask for the debt to be paid and tell you that if it isn’t paid, you’ll get a bad credit rating and will be taken to court to have the debt enforced.
Debt collectors must not mislead or deceive you by stating that you will definitely be responsible for court costs and legal fees if the matter is taken to court. Whether you’ll have to pay those costs and fees will be up to the court to decide.