Judgement passed without being summoned to court
Can a judgement be passed on you without being summoned to court to dispute the judgement? If they judgement was passed then why is it only on one of my credit reports and my credit score hasn't gone down? Since the judgement is passed does that mean they can still sue me or are they just going to try and collect the money without taking me to court?
Do I need to get off my joint checking accounts to protect the money in them?
Thanks in advanced and sorry for it being so many questions.