Default Judgment in Connecticut
What is Default Judgment?
A default judgment occurs when an individual does not take action in response to a debt collection lawsuit filed against them. First, the creditor must show a promise to pay and an allegation of nonpayment. Then, when the defendant takes no action, the court will proceed to enter a judgment against them.
Default judgments account for most of all collection court judgments in Connecticut. Unfortunately, the procedures followed in Connecticut collection courts tend to favor creditors, placing individuals at a disadvantage. Creditors’ attorneys are well-versed in the law and the legal process, often relying on debtors’ reluctance to respond to lawsuits. Undoubtedly, failing to address a collection action will result in a default judgment against the individual. After the judgment is entered, creditors collect their debt immediately through methods such as wage garnishment.
How You Can Prevent Default Judgment
It is crucial for individuals involved in a legal dispute to understand and adhere to the required deadlines and court procedures to avoid the risk of a default judgment being entered against them. If you receive a summons or legal notice regarding a debt collection lawsuit, it is crucial to respond within the specified timeframe. Ignoring the lawsuit will not make it go away. Therefore, immediate action is necessary.
Seeking legal advice and representation helps to navigate the legal process effectively and protect your rights. The expertise of a debt attorney prevents a default judgment from creditors. An experienced attorney can offer valuable guidance tailored to your unique circumstances, ensuring you comprehend the legal process and aiding you in responding. By enlisting the services of an attorney, you gain representation in negotiations or court proceedings. For this reason, you’ll significantly enhance the likelihood of achieving a favorable outcome.
What if a Default Judgment Has Been Entered Against You?
Bankruptcy ceases collections in all stages of the collections process in Connecticut. Therefore, filing for bankruptcy stops the enforcement of default judgments, including wage garnishments and liens. Filing bankruptcy puts you back in charge of your finances.
Lawsuits can happen to anyone, so make sure you’re protected. If you’re looking to take the power back from your creditors, contact the Law Offices of Ronald I. Chorches today.