![]() At this point they can go after your paycheck and bank accounts. What then? Once the Municipal Court grants judgment against you, the creditor is now a “judgment creditor” and can use the power of the court to collect from you. What does this mean in plain English? Translated, this means that you have to write an answer to the complaint, and mail it to the clerk and the attorney who sued you within 3 days of filing with the court.Īfter 28 days from the day that you get “served” with the complaint, meaning the day you signed for the certified mail letter, or were handed the complaint by a court officer, like a bailiff or sheriff, or the court mails you a copy regular mail, the creditor is then able to ask the court to grant “default judgment” against you, assuming that you did not file an answer (or one that the court found to be acceptable). You will notice on the cover page (also called a summons) that you have 28 days to serve an answer on the plaintiff, and must file the answer with the clerk and serve the same on the opposing counsel within 3 days. Step 2 – File an Answer Within Twenty Eight Days.The attorney will not stop until there is a Court Judgment against you. Once the suit is filed, the attorney suing you in Municipal Court will NOT generally dismiss the suit. You can’t avoid the suit by avoiding service. You will get a regular mail copy of the suit. If you don’t pick it up, or if you refuse to accept it, the suit will still go forward. This is how you know that you are being sued and it’s not just a threat. ![]() It’s from the Municipal Court, not the creditor. The Municipal Court normally sends certified mail to you. After that, the creditor suing you can collect from you by “all legal means,” which include wage garnishment and bank account attachment. This lawsuit will probably end with a judgement against you. The creditor has sued you in Municipal Court.
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