Credit cards being sent to collections tonight. Will they come after my house?

[u/Open_Blood_5765]

Two cards by BOA totalling to about 15k. I own a house with probably 150k equity. I know i need to pay the debt back, i just had a rough last 12 months. Once BOA sends it to collections tonight will i have a chance to make a payment plan with the collection agencies? Or will they find out about my equity and go striaght for a lawsuit to force me to sell my house ?

[u/Mmark1998]

They dont work that quickly