The purpose of obtaining judgment is that they can legally garnish wages, attach assets, file liens and bank levys.
Once they have the judgment, you can either call them and make reasonable arrangements that they agree on or they will refuse your offer and continue "enforcing judgment".
Oh and that guy that said you can get your car repo back now...no you cant. The 15 day stuff is BS too at this point. Because you were served a summons and you were supposed to have filed a response and you probably didnt did you? They got whats called a default judgment. And if you did file a response, you lost the case and they got a judgment.
Either way, the deal is done. The judgment exists and there are no laws that can get you out of it now. Unless you want to appeal the judgment which you will lose.
Sorry buddy. Dont bother getting an attorney now either, you would only be wasting your money at this point.
If you have any questions email me Smile4Cobra@yahoo.com
I am a Collection Agent/ Credit Manager