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The Department of Real Estate CANNOT act as a court of law, so they cannot order that monies be refunded, contracts be canceled, damages are awarded, etc. The creditor can get an order telling you to reimburse him or her for any reasonable and necessary costs of collection.The default judgment allows the debt collector to garnish your wages or levy your bank accounts to collect their money back. If a debt collector sues and you don't respond, you may get hit with a default judgment and your wages may be garnished. If the court has entered a default judgment against you, the plaintiff can collect it like any other judgment. A judgment is a court order that is the decision in a lawsuit. In Georgia, a default will automatically be entered against an employer that fails to answer a garnishment order. If a default judgment is entered against you, you may be ordered to pay the full amount shown on this Writ, plus attorney fees and costs. If an answer is not filed within 45 days, the garnishee is in default and the plaintiff may file a default (PDF) against the garnishee (employer or bank). Order.