If the debt was a private loan, the statute of limitations applies, and the debt would be time barred (ie it would be too old of a debt for the lender to get a judgment for collection purposes).
However, if the consumer was served papers and did not appear in court, the court will enter a default judgment, granting the lender the relief requested (the judgment in the amount requested).The creditor would then provide an income execution t the marshall, who would then serve the consumer (within 20 days) notice of this.
The consumer has 20 days to contact the marshall to arrange voluntary payment; if this is not done then the marshall will contact the employer and 10% will be deducted from the paycheck.
Fortunately it is possible to have the judgment vacated. In order to do this the consumer must provide the court with a reasonable excuse for missing the original court date along with a valid, legitimate defense - this must be done within 1 year of notice of the judgment; if notice has not been provided, then the 1 year period does not start to run.
To vacate a judgment it is best to have an attorney help prepare and present the case to the court, because this is in essence the consumer's "last chance" to contest the debt.
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Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care.