You have a bill you haven’t paid.
The person who you owe money to starts a lawsuit against you to recover that money. You likely don’t defend the lawsuit because you have no defence and you’d just be wasting more money.
The person who you owe money to obtains a Court judgment saying you owe that money.
Having the Court judgment allows them to pursue civil enforcement steps they could not do before such as garnishing your wages or confiscating your property.
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