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About John G. Watts
Expertise
I can answer questions related to debt collectors and collection agencies contacting, threatening, or suing consumers. I can also discuss how credit reports are affected by debt collectors and collection agencies. My website lists a number of actual cases I have recently filed - www.alabamaconsumer.com. You can also go to my blog at http://www.alabamaconsumerlawblog.com/ which lists information about consumer issues.

Experience
I have been a lawyer for 12 years. My background is a trial practice in the area of personal injury and wrongful death. The last couple of years, I have shifted my focus to consumer law. Specifically, to representing consumers with errors on their credit reports (Fair Credit Reporting Act), identity theft (Fair Credit Reporting Act and Fair Debt Collection Practices Act) and harassment from collection agencies (Fair Debt Collection Practices Act).

Education/Credentials
Graduated with a business degree from Indiana University in 1992. Law degree from Cumberland School of Law in 1995.

 
   

You are here:  Experts > Business > Corporate Law > Collections Law > Default Judgment

Topic: Collections Law



Expert: John G. Watts
Date: 6/13/2008
Subject: Default Judgment

Question
I was issued a summons on the 4th of October, 2007. I made the mistake of not answering and waited for the default judgment. It has been 8th months now and a default judgment has not be given. I am wondering is there a time limit for the collection agency to seek a judgment and why would  they be waiting so long. Thanks

Answer
Robert,

I don't know what the time limit will be in your state and in front of this particular judge.  We typically advise our clients (after learning the details of their situation) to NOT allow a default judgment to be entered.

You may want to read this article about answering a lawsuit - this applies in Alabama and may or may not be different for you.  http://www.alabamaconsumer.com/PracticeAreas/Ive-Been-Sued-What-Should.asp

Find a NACA (consumer) lawyer in your state - http://members.naca.net/findanattorney.php

Best of success!

John Watts
http://www.alabamaconsumerlawblog.com
http://www.alabamaconsumer.com

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