What is a judgment?
A judgment is an official result of a lawsuit in court. In debt collection lawsuits, the judge may award the creditor or debt collector a judgment against you. If you don’t respond to a legal complaint, you will lose your chance to defend yourself and you may find that a judgment is entered against you.
If someone sues you, or if someone has obtained a judgment against you and you are unsure of what to do, talk to an attorney. Some attorneys may offer free services or charge a reduced fee. There may also be legal aid offices or legal clinics in your area who will offer their services for free if you meet certain criteria. Servicemembers should consult their local JAG office.