How does a creditor get a judgment?

A creditor can get a judgment against a debtor by suing them in civil court. In South Carolina, this process is governed by the South Carolina Uniform Commercial Code (UCC). The UCC outlines the steps a creditor must take to secure a judgment. First, the creditor must file a complaint in civil court. The complaint must contain sufficient information to notify the debtor of the debt. Next, the court will issue a summons to the debtor, ordering them to answer the complaint within a certain time frame. The debtor can then choose to respond to the complaint or try to settle the matter out of court. If the debtor does not respond in a timely manner, the court will enter a default judgment against them. If they do respond, the court will hold a hearing where both parties can present their case. Finally, the court will make a ruling in the case. If the creditor wins, the court will enter a judgment against the debtor. This judgment will include the amount owed and instructions for the debtor to pay the creditor. If the court finds in favor of the debtor, the case will be dismissed.

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How does a creditor get a judgment?

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