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Commonly Asked Questions about Default Judgments

A default occurs when a defendant/ respondent fails to answer the suit upon service within the time allowed by law. Summary judgment occurs upon motion of one of the parties to litigation that, upon the facts in evidence, the moving party is entitled to a judgment as a matter of law.
Under CCP 473(b), the court may set aside a default and default judgment if the defendant asking for the set aside presents enough evidence to the court to demonstrate that the default was entered by inadvertence, mistake, surprise, or excusable neglect.
Here are four ways to avoid paying a judgment: 1) Use asset protection tools such as an asset protection trust, 2) use legal exemptions, 3) negotiate with the creditor, 4) file for bankruptcy.
A default judgment is a ruling by a judge in favor of a plaintiff in the event that the defendant fails to show up in court. If the defendant can show that the court appearance was missed for valid reasons, the default judgment may be vacated.
Because judgments no longer appear on credit reports, they wont affect your ability to borrow funds. However, if you have a history of not paying your debts towards other financial agreementssuch as credit card billsyou could face obstacles in getting approved for future loans.
A default judgment means that the court has decided that you owe money. To vacate a default judgment, do the following: Filing the Form. To help the judge decide in your favor. If the judge agrees to vacate the judgment. If you have witnesses to help your case who could not be present.
You may be able to negotiate a settlement with the debt collector to allow you to pay off the judgment under better terms. In Limited Civil cases (cases for $35,000 or less), if the other side will not agree to a payment plan, you can ask the judge to order a payment plan. This requires filing a motion.
If you do not think the default judgment was appropriately entered against you, you must file a motion with the court asking the judge to set aside (void or nullify) the judgment. If the judge grants your motion, the case starts back up again.