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A judgment is a court’s final determination of the rights and obligations of the parties in a case. There are many types of judgments depending on the type of claim at issue in a case. In the case of a suit filed by a creditor against a debtor, there are a few types of judgments that are relevant including but not limited to:

  • Default Judgment – A default judgment is a judgment that is entered against a defendant who fails to plead or otherwise defend against the plaintiff’s claim. When a lawsuit is filed by a plaintiff the defendant has 28 days to file a response and present a defense. If the defendant fails to do so, the plaintiff can obtain a judgment against them.
  • Consent Judgment – A consent judgment is common in cases where a creditor sues a debtor. If the parties are able to agree to a payment plan or settlement to be paid over time, the parties will agree that a judgment be rendered against a debtor and the creditor agrees that they will not take action to collect on the judgment as long as the debtor pays as agreed upon.
  • Summary Judgment – When a case is being litigated and the defendant has filed an answer admitting or denying the allegations, either party can file for summary judgment. This means that the parties are seeking a judgment without a trial based upon the documents that have been filed with the court.

Once a judgment is obtained, there is a complex process that a creditor must undertake to collect on that judgment. During this process a creditor may garnish wages, place a lien on a bank account to collect money from the account and place a lien on or seize an individual’s real property. Often a judgment can be avoided with the help of an attorney. If you have a judgment entered against you, consulting with an attorney is still beneficial as it is still possible to prevent some of the collection efforts mentioned above.

Consumer Law Attorney Jeremy Heck Can Help You. Call for Free Consult Today.

Financial difficulty can be a stressful and overwhelming emotional experience for anyone. Your hard earned dollars are a stake and it is understandable that you have a lot of questions. The Luftman, Heck & Associates consumer law attorneys are on your side. Get answers to your questions and concerns by contacting Luftman, Heck & Associates Consumer Law attorneys today at or email us at advice@ohiodebthelp.com.
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  • […] off debts on your own terms. Jeremy Heck, consumer law attorney in Columbus, Ohio, says, “If a judgment has been rendered against you and you are expecting to inherit an asset, you should plan properly […]