If it is from an auto accident, and the vehicle was insured, contact your insurer immediately. The insurer will hire a lawyer to defend you. You say there is a default judgment. If it is for an amount of money, there may be nothing you can do. You can file a motion for a new trial if you can give good reasons why you did not file an answer. If it is not for an amount of money yet, just an order stating that you are in default, the Plaintiff must schedule a hearing to prove his/her amount of damages. You have a right to cross examine their witnesses and argue for a low figure for damages. If a judgment for money is obtained against you and you have no assets, then they will be unable to make you pay the judgment.
Answered on Nov 12th, 2012 at 5:26 PM