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Default Judgments The default judgment usually gives the plaintiff the right to collect the amount of money that was asked for in the complaint, plus interest and court costs. The judgment will appear on the defendant's credit report, and it can be there for up to seven years if it is not paid.There is a good chance a default judgment has been entered against you if: your bank account has been frozen; your salary is being garnished; (a) Entering a Default. (a) Default and entry. If the court finds that the defendant's default is excusable, then the court vacates the entire judgment and the action reverts to its pre-default status. This means the City takes the legal step of entering a default judgment against you for the entire amount plus penalties and interest. Service of the motion for default judgment and notice of presentment must occur at least seven (7) days before the motion for default judgment is presented. In certain circumstances, defendants may obtain. This usually must be filed within one (1) year from the date the default judgment was entered.