I am assisting my father with gathering all the info he needs to file a Chapter 7 Bankruptcy. He was served with a summons for a credit card debt he owes of over $10,000 so it's a civil case. My question is related to default judgments and time frames for filing a Chap 7. How many days after the 30 days to respond to a summons does a default judgment usually happen? Could it happen on the 31st day if there is no answer to summons? We'd like to have as much time as possible to gather the info he needs to complete his Chapter 7 filing. We’re trying to figure out when would be the first date a "judgment lien" could happen so he can file his Chap 7 before that to create an automatic stay. Does he have an additional 30 days after a default judgment to file Chap 7 and not get a lien against him?