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Once a debt buyer is armed with a default judgment they then have the power to garnish your wages or levy your bank account.
A party seeking entry of default must file a written application that: (A) identifies the party against whom default is sought; (B) states that the party has failed to plead or otherwise defend within the time allowed by these rules; (C) provides a current mailing address for the party claimed to be in default or, if ...
A default judgment can be entered against any party who was served a complaint, counterclaim, cross-claim, or third-party complaint if that party either did not file an answer or file any type of response with the Court within the time allowed by the rules.
If they do not pay, at your request the court may provide you with forms you may file to try to collect. If the other party does not make full payment, you may file a request to have the writ issued. If these writs are not effective in collecting the judgment, obtaining the services of an attorney may be helpful.
Default Judgment Defined. complaint if that party either did not file an answer or response with the Court within 20 days after service or 30 days if served out of state.