If a complaint and summons has been served upon you, the worst thing to do is to do nothing. If you fail to have an answer filed on your behalf and thereby contest the proceeding, a default and default judgment will eventually be entered. You will not have your day in court, and you will not be able to negotiate any equitable settlement. An answer and affirmative defenses must be filed!
After a default judgment is entered, the creditor will usually ask the court to include interest on the indebtedness and also award attorney fees. After the judgment is entered, the attorney for the creditor will then attempt to collect on the judgment. The legal options of the creditor for enforcement depends upon the state in which you reside.
In some states, the creditor can attempt to garnish up to 25% of your wages. In other states, a lien can be placed on your property, or your bank accounts are attached. Do not subject yourself to enforcement proceeding by doing nothing.
We focus on debt settlement and our attorneys can help you through this entire process.