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The default judgment allows the debt collector to garnish your wages or levy your bank accounts to collect their money back. If the court has entered a default judgment against you, the plaintiff can collect it like any other judgment.If an answer is not filed within 45 days, the garnishee is in default and the plaintiff may file a default (PDF) against the garnishee (employer or bank). (1) If the garnishee fails to answer as required, a default shall be entered against him or her. Default judgment—Reduction upon motion of garnishee—Attorney's fees. A default judgment is an official court decision in favor of one side when the other side does not answer or go to court on the court date. If an answer is not filed within 30 days, the garnishee is in default and the plaintiff may file a default against the garnishee (PDF) (employer or bank). Against the garnishee. To obtain a default judgment, the plaintiff must show proof of service on both the garnishee and defendant, and must then file notice. Section 1c: Motion for Default for Failure to Appear and Judgment .