What happens if I just dont pay?

I have a credit card and they have sent it to collections bc i am over my limit (by $4) bc of they raised my fianace interest rate from about 9% to 27% in one month. So If I dont pay, let it sit in collections what can they do? I live in OH I dont know what the law is for garnishment? Can they make me go to court? I know it will go on my credit report but im not worried about that at this point.
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They send the men in the black SUVs, black sunglasses and business suits over to your house with lead pipes. They will come and beat that $4 out of you. One bone broken per dollar.

Actually, they probably won't.
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Awfully cavalier about screwing up your credit. If it's only $4, why not pay it? And if the terms of the card are such as sticking point, close it.

They'll report your default and try to claim that money. Once that proves unsuccessful, they'll sell the debt to a collection agency who will proceed to hound you. They will try a lot harder than the orignal creditor to recoup that money.

Aside from all that, you'll get a derogatory mark on your credit and pay higher interest on other credit cards, loans, and mortgage. That's if you don't get declined in the first place. This negative will last at least 7 years.
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Lenders do not send credit card accounts to collections because you are "$4 over your limit." They send them because you defaulted on your payments.
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Don't let it go to collections!!

The best thing you can do is pay it off and close the account.

https://www.lendingclub.com//invite/resp...
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They can sue you. You will probably not be physically dragged to court, but if you are sued and do not get to court, then you will lose the lawsuit by default.