What is a default judgment?

A default judgment is a court ruling against a defendant who has failed to take action in response to a lawsuit. It occurs when a defendant does not file a response or appear in court when they have been sued by a creditor. In Kansas, consumer debt defense law allows people to contest the default judgment in order to protect their rights. When a creditor takes a consumer to court for not paying their debt, the consumer has the right to fight the debt in court. If the consumer fails to appear or respond to the lawsuit, the court may enter a default judgment against them. The default judgment means that the creditor has won the lawsuit and the court has ruled that the consumer must pay the debt in full. The consumer can still challenge the default judgment by filing a motion for reconsideration, which allows them to explain why the court should not enter a default judgment against them. The court can then decide whether or not to reconsider the case and potentially reduce or dismiss the debt. A consumer should always consider their legal options before allowing a default judgment to be entered against them.

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