Debt Relief Hotline

Default Judgment

A default judgment occurs when a plaintiff (party suing) files a lawsuit and the defendant (person sued) does not respond to the summons, fails to file an answer to the lawsuit, or fails to appear at court.
In some cases, a defendant may be able to have a default judgment vacated/set aside, by filing the appropriate documents with the court showing a proper excuse.  Consumers who are sued by creditors for a delinquent debt will be sued in a civil court.

Additional Information:
Lawsuits are a common threat that creditors will use to scare and intimidate consumers into paying debts, even if they are not rightfully owed.  Many times, bill collectors that are well versed in legal terminology, will make you believe that the sheriff is already in the process of serving you with a summons. 

Creditors will sue consumers on debts betting that you will not file the answer or take the appreciate steps to defend yourself.  If you try to hide from the summons the default judgment will get issued and then you face the possibility of more legal problems to include having your paycheck garnished.

If you are being threatened with a lawsuit over a debt, you need to take immediate action to prevent a potentially huge problem.  You have three choices: 1) handle it yourself (only take option 1 if you are an attorney), 2) if you can afford to, hire an attorney, 3) this may be your best option, look into debt settlement.