How to Vacate a Default Judgment

If a default judgment was entered against you, it isn't always final. Courts can vacate (set aside) a default in the right circumstances — reopening the case so you can defend it.

Common grounds

• Improper service — you were never properly served ("sewer service")
• Excusable neglect — a good reason you missed the deadline
• Lack of jurisdiction — wrong court or wrong defendant
• Fraud in how the judgment was obtained

Move quickly

Most states impose short deadlines to move to vacate, and many require you to show a meritorious defense — a real reason you'd win if the case reopened. File as soon as you learn of the judgment, often before garnishment begins.