A default judgement just reitterates the debt. If they don’t garnish your wages or seize your tax return or put a lein on your property, none of which they can do for most categories of debt, there is no reason to treat a judgement as anything more substantial than another harrassing letter/phone call. I’m not sure it even hits your credit report as new activity.
99% of creditors won’t bother to sue in any court that has jurisdiction over the debtor. They “sue” in “courts” that rubber-stamp all “debts”(for multiple debtors at a time) to no meaningful end, other than they can now say they took you to court and you lost, so now you should totally give them money or they’ll … “sue” again.
A default judgement just reitterates the debt. If they don’t garnish your wages or seize your tax return or put a lein on your property, none of which they can do for most categories of debt, there is no reason to treat a judgement as anything more substantial than another harrassing letter/phone call. I’m not sure it even hits your credit report as new activity.
99% of creditors won’t bother to sue in any court that has jurisdiction over the debtor. They “sue” in “courts” that rubber-stamp all “debts”(for multiple debtors at a time) to no meaningful end, other than they can now say they took you to court and you lost, so now you should totally give them money or they’ll … “sue” again.