Nothing happens overnight. Typically, if you do not answer the complaint within 30 days, the first step will be for the plaintiff to have a default entered, but not yet an actual judgment. The actual judgment could take weeks or longer to enter. Once the judgment is entered, a lien would not be created until the plaintiff had an Abstract of Judgment issued and recorded which generally takes several days, at least, after the judgment is entered. Even if one is entered/recorded prior to the bankruptcy, you may be able to have the lien removed after the filing of the bankruptcy, but you would want to consult with a bankruptcy specialist prior to relying on that occurring. Good luck and all the best.
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