The answer to this question depends on your situation. We can file a motion to avoid the judicial lien shortly after we file your case. The main issue is how much property do you own? I want to go over every single asset you own and make sure that they are protected by Georgia exemptions. If the value of your equity in your assets exceeds the Georgia exemptions, you may need to file Chapter 13 to protect yourself from the default judgment. Whatever you do, don’t ignore the judgment. Default judgments can lead to garnishment of your wages and/or the placement of liens on your house. Call me today for your free consultation.