several years ago this company we'd never heard of got a default judgement against us. We didn't know it until one day I went to go to the store and my card (the one from my bank that gets the money out of my account) wouldn't work. The company had gotten a default judgement and had seized my bank account. My husband and I were freaking out. Well that led him down the road of research. We were never even served, though they had an affidavit that I was. He found out that a bunch of the other affidavits he pulled from towns all over this area were signed by the same person. The notary sign wasn't right. And you were supposed to go before some judge or something for the affidavit in court. Well it was weird how the same person had been in Buffalo NY AND NYC at the same time! there was no way they could have gotten to NYC in the time frame they had. Bob went to court and had the judgement set aside. The other guys never even bothered to show up. They did file a paper with the court and asked for more time. The judge left it up to bob. HE said no.
As for people failing to do anything.... people don't realize they have rights. We didn't before this fiasco. We always ask for validation if anyone calls. No matter what. Prove that you have the right to collect anything! And if the statute of limitations has run out, then pound salt. If you give them anything, then it restarts the clock. Make sure you check your credit report too. You'd be surprised how many inaccuracies there can be on there. Don't just let that go. These scum suckers will falsely update an account that is past the statute of limitations to make it look like it has had activity to make it look like it is within the statute of limitations when it is not.
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