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In Florida, tenants in common is the default form of concurrent ownership. Unless a deed expressly says that two or more owners are joint tenants with rights of survivorship or tenants by the entireties, multiple owners of the same piece of property are considered tenants in common by default.
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.
If a motion for default is granted, it means that the court has determined that the opposing party has failed to respond or take action within the required time frame.
Rule 1.500 - DEFAULTS AND FINAL JUDGMENTS THEREON (a) By the Clerk. When a party against whom affirmative relief is sought has failed to file or serve any document in the action, the party seeking relief may have the clerk enter a default against the party failing to serve or file such document.
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