A judgment can be served at any time as far as I know. In the state of florida, as in most states you can look online at the clerk of the courts website in your town and be able to search your name. You will find anything filed against you and know when it is coming.
I sign for all of them , the Bank Of America and Chase are the major ones filing against everyone. If you are insolvent like I am then there is not much they can have. A court appearance is just for mediation to see if you can pay them any money.