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RE: The Martial Art called UCC (Uniform Commercial Code)
Applying biblical wisdom to difficult problems is usually a good idea. It's amazing how different legal systems can be from country to country, here in Holland I've never heard of filing a Statement of Claim, continued by a Notice of Default which turns into a Default Judgement for existing without answer.
But wherever you are in the world, it's indeed always better to resolve matters before a court judge must decide things, that's for sure!
The Netherlands does not operate under common law, but civil law based on old roman law, similar to the french. The difference is that in common law, everything you want to do is lawful unless you cause harm injury or loss to another. In civil law everything you want to do is unlawful and the act can only be engaged in if permitted by law - The same as statute law in common law countries.