Optional Form for Creditors Seeking a Deficiency Default Judgment - Delaware 2025

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If you dont pay a debt you owe, a creditor or debt collector can sue you. If they win the case theyll get a court judgment, which gives them access to serious debt collection methods like wage garnishment. In most states, judgments last for 510 years, but in some states the time frame is longer.
Default judgment is a judgment rendered because of the defendants failure to answer to appear. Summary judgment is a judgment given on the basis of pleadings, affidavits, and exhibits presented for the record without any need for a trial.
Judgments Judgments are presumed valid for 20 years Judgment Liens on Real Property expire 10 years after entry Judgment Liens can be: a) renewed prior to the 10 year lien expiration or b) revived after the expiration of 10 years unless the judgment debtor shows good cause as to why the lien should not be renewed.
A defendant against whom a default judgment has been entered may file a motion to vacate the default judgment. The motion should be on a Civil Form 11 (Request for Motion Hearing). If you are using a Form 11 that you obtained online, you should make four copies of the Form.
Yes, a default judgment may negatively affect your credit score, and will be a lien on all of your real estate. Buying and selling real estate will be negatively affected by the entry of a default judgment.
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