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A default doesnt mean your divorce happens right away. It takes at least 6 months from when you first got the Petition for a divorce to finish. Your spouse will need to complete more steps and a judge will need to sign the final papers (the Judgment).
When a party is defaulted by the clerk or the court, that party cannot defend itself in the case until the default is set aside by the court. This means that unless the default is set aside, a judgment will likely be entered against the party that had a default entered against it.
After a default judgment, the Plaintiff will try to collect the money you owe. The Plaintiff may be able to take money from your paycheck or bank account and put a lien on your property. If you dont have any assets to pay the debt, you can let the Plaintiff. They may give up or try to collect in the future.
Request for Entry of Default (Application to Enter Default) (CIV-100) Asks the court to enter a default against the defendant or cross-defendant because they failed to file an Answer or other responsive document in the case. Can be used to ask for a default alone, or also a default judgment.