What Happens If You’re Sued and Ignore It?
Getting sued can be overwhelming. Some people freeze, others delay, and some simply ignore the paperwork, hoping it will all go away. Unfortunately, ignoring a lawsuit can lead to serious consequences that are difficult to undo. In Washington State, one of the most common outcomes of inaction is a default judgment. Here’s what that means and how it can affect your future.
What Is a Default Judgment? A default judgment occurs when you don’t respond to a lawsuit in time. If you fail to file an answer or appear in court, the judge may rule in favor of the person suing you. This means they could receive everything they’re asking for in the complaint, without any input from you. It’s like losing a case without ever stepping into the courtroom.
Consequences of Ignoring a Lawsuit Once a default judgment is entered, it becomes legally enforceable. That means the plaintiff can start collecting money from you using legal tools such as garnishing your wages, seizing funds from your bank accounts, or placing a lien on your property. Your credit score may also take a significant hit, making it harder to get approved for loans, housing, or employment. These effects can follow you for years unless the judgment is addressed.
Reopening a Default Judgment If a default judgment has already been entered, you might still have options. Washington courts allow individuals to request that the judgment be vacated under certain conditions. This may apply if you were not properly served with the lawsuit, had a legitimate excuse for not responding, or believe you have a strong legal defense. However, there are strict deadlines—some as short as one year—so it’s critical to act quickly.
Act Fast if You’ve Been Sued Time is not on your side in these situations. If you’ve been served, you typically have only 20 days to respond. The best thing you can do is contact an attorney immediately. A lawyer can help you respond properly and protect your rights. If a judgment has already been entered, they may still be able to help you reverse it and explore your legal options.
Ignoring a lawsuit won’t make it disappear. It can lead to wage garnishments, property liens, credit damage, and years of financial stress. At the Law Office of Erin Bradley McAleer, we help clients respond effectively to lawsuits and challenge default judgments when possible. If you’re facing a legal action—or dealing with the aftermath of one—it’s not too late to take control of your future.