ONE DOCUMENT COULD

One document could wipe out a default judgment, but only if you do it right. This is a motion to vacate default judgment. It tells the judge, you've never had a fair chance to defend yourself because you didn't receive proper notice of the lawsuit. Next it explains when you first learned about the judgment, maybe your wages were garnished, your bank account was frozen or you found it on your credit report. Then it asked the court to reopen the case, stop collection efforts and let you file an answer. But here's the part that could make or break your motion, your defenses. It's usually not enough to say you didn't know about the lawsuit. You also need to show the judge that you have legitimate legal defenses worth hearing. Maybe the plain of can't prove they own the debt. Maybe they can't prove the amount they claim you owe. Maybe the statute of limitations expired. Those defenses shows you're not asking for a second chance just to delay the case. You're asking for the chance to fight the lawsuit that may never have been proven in the first place.