PLAYING BY THE RULES: FRCP 55(A) AND THE 2025

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To file to rescind a default judgment (in the case that your creditor doesnt agree to rescind it), youll need to set out an affidavit stating why you failed to defend the judgment and what your good cause (bona fide) is for legitimately failing to defend yourself.
(a) Effect. Findings of fact, whether based on oral or documentary evidence, shall not be set aside unless clearly erroneous, and due regard shall be given to the opportunity of the trial court to judge of the credibility of the witnesses.
Filing a Response Prepare a formal response to the plaintiffs complaint. This document should address the allegations made and include any defenses or counterclaims. Submit the completed response to the court where the original complaint was filed. This action officially updates the court on your position in the case.
Default. (a) Entry . When a party against whom a judgment for affirmative relief is sought has failed to plead or otherwise defend as provided by these rules and that fact is made to appear by affidavit or otherwise, the clerk shall enter the partys default.
When the plaintiff receives the copy of the motion you mailed to her, she can file an opposition with the court. You should receive her opposition in the mail. In the opposition, the plaintiff will explain to the judge why she believes the default judgment should not be set aside.
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Rule 50(a) provides that a court may grant judgment as a matter of law against a party [i]f during a trial by jury a party has been fully heard on an issue and there is no legally sufficient evidentiary basis for a reasonable jury to find for that party on that issue. FED.
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.
Most Courts, including California, put strict time limits on when that motion may be filed (six months from entry of default in California though this time limit may be altered based on various factors) and the longer the period of time from entry of default, the harder it is to have the Court remove it.

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