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A judgment creditor can then take legal steps to enforce the judgment by garnishing your wages or bank accounts and placing a lien on any property you own. A judgment will last 10 years on a credit report and can be renewed.
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.
In Arizona, a judgment is initially effective for ten years after the date of its entry, and execution must be accomplished within that period. A.R.S. § 12-1551(B).
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 ...
Once a debt buyer is armed with a default judgment they then have the power to garnish your wages or levy your bank account.
At any time, the court shall set aside a judgment entered upon an initial failure to appear in response to the court's summons, if it appears that the defendant was not served as provided by law with a copy of the complaint and summons, or for any other reason where necessary to prevent a manifest injustice.
Rule 55 - Default; Default Judgment [Effective until January 1, 2024] (a)Entering a Default (1)Generally. If a party against whom a judgment for affirmative relief is sought has failed to plead or otherwise defend as provided in these rules, default may be obtained under the procedures set forth in this rule.
JCRCP Rule 140. Time Standards for Serving the Other Side. If the party is served with a summons and complaint (or with a counterclaim or with a cross-claim) within the State of Arizona, then they have twenty (20) days after receiving it to file either an answer or a response.