That is not even remotely what happens in a court. If you show up and put up any minimal defense at all, then it goes into more hearings or it is referred to mediation to try to resolve it. The judge doesn't make any sort of quickie decisions like that, even in small claims court. In small claims court they usually make both sides talk and provide mediators. Then later if no resolution is worked out the judge will reschedule it for a future hearing and scheduling for a possible future small claims court trial. First appearance, mediation time, second appearance ... that could easily have the legal expenses for the bank exceed the $5,000 limit of small claims (if they even allow a lawyer to represent in small claims court. Some small claims courts don't allow lawyers). And courts don't award legal fees on top of judgments. They usually only allow recovery of court costs such as filing fees and process service fees.
If we are talking an amount above small claims ($5,000 usually) then it is even more expensive to get to a judgment.
All the defendant needs to do is a minimal answer by saying, "Defendant does not have enough info to admit or deny, therefore defendant denies the allegation(s)" and repeat that for every paragraph.
That simple action alone is likely enough to put a lawsuit into a 12-24 month process of discovery, hearings and eventually trial.
That simple action alone is enough to cost the plaintiff (bank) about $20,000+ in legal fees.
None of these things are one appearance and "bam judgement" unless the other side ignores it entirely.
It sounds to me like you have no clue how the legal system actually functions.
The only quickie judgments that exist are the default type where the defendant doesn't show up at all. And that is what the banks are hoping because that is usually the only time it makes sense financially for them.
If someone puts up ANY response at all to create legal fees for the plaintiff, then all of the economics of taking an unsecured CC default to court basically collapse.
It becomes throwing good money after bad for the bank. They will waste more money than the original face value of the debt.
WHATEVER. Your not the guru genius you think you are. Just because something happened a certain way in a certain situation for your does not mean thats how it happens in other state or with other people or another judge or whatever. WTF is wrong with some people on here thinking they KNOW IT ALL because they know SOMETHING? Is it possible that some states have a very streamlined process you dont know about? You must have passed the bar in all 50 states. I dont come on here and talk out my flowers about stuff i dont know through experience, so respect that, and ill respect your knowledge from your experiences. OP i know you think BK isnt an option, but you havent share specifics, so my best advise at this point is just sit down with a BK attorney and see what your options are, not necessarily bk but maybe theres a loophole or other option thats applicable to your unique situation that fits best for you, whether it be settlement, bk, CCC or something else, consultations are free in most casesHere is the thing I make pretty good money when things are going good. I bought a new truck & trailer to start my business & then a yr later I bought another truck & trailer. 2 months later the drive leaves me with that payment & insurance. Total of 3500. This goes on for about 2 months & then a good friend of mine took over the notes. One month later my truck breaks down then my trailer, the truck again then trailer. I bought all of this EQ new. Now at this point my funds are gone CC are maxed, then I have to have surgery & I'm out for months. This is a part of my story I didnt not want to take up a lot of time telling it. My goal is to get back on track ASAP