What is a consent judgment?
A consent judgment is a written agreement filed with the court between you and the debt collector which gives the debt collector a judgment against you. Generally, the only difference between a consent judgment and a judgment obtained by winning their case in court or by default (when you don’t answer the lawsuit) is that the debt collector won’t garnish your bank account or wages to forcefully collect the judgment as long as you abide strictly by the payment terms in the agreement. There are a number of pitfalls a defendant may encounter when agreeing to sign a consent judgment.
When I was sued, I had no legal experience and no resources to hire an attorney. I was scared and confused by everything I was reading online. However, as I studied more about the law to defend my case, I was surprised at how much I enjoyed what I was learning. I defended myself without an attorney and was successful in beating the debt collector and obtaining judgment in my favor.
As a trained attorney, I now know there are many pitfalls in the legal process that could have caused me to lose my case. Level the playing field by hiring an attorney.