Motion for default judgment 2025

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What is a Motion for Default Judgment? Imagine youve taken someone to court, but theyve ignored all proceedings. A motion for default judgment allows you to ask the court to automatically decide in your favor due to the other partys lack of response or action.
If a motion for default is granted, it means that the court has determined that the opposing party has failed to respond or take action within the required time frame.
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.
A notice of default is a public record stating that a borrower is in default on their loan. A lender or servicer files a default letter as the first step in the foreclosure process. If you ignore a notice of default, you could lose your home so if you receive one, contact your lender as soon as possible.
Default judgments happen when you dont respond to a lawsuit often from a debt collector and a judge resolves the case without hearing your side. In effect, youre found guilty because you never entered a defense.
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