They never did to me. But they never sued me. Discover did[oddly by far the smallest of my CC debt $1700] and got some small % of my Alaska permanent fund check but no wages. Discover sued me themselves, not a collection agency. I don't believe a CA can sue, or by the time they get it it's too late. I got several letters from CAs stating the debt was to old to sue and offering to settle for a small %. I couldn't believe they told me it was to late to sue it might be a legal thing.
IRS, child support and maybe others like gov backed student loans completely different. They can and will clean out your bank account.