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Default judgments happen when you don't respond to a lawsuit — often from a debt collector — and a judge resolves the case without hearing your side. In effect, you're found guilty because you never entered a defense.If granted, the default judgment gives debt collectors the right to take your money without your permission. This article explains how to ask the judge to set aside (cancel) a default judgment. If the judge grants your motion and sets aside the default judgment, any money taken from you should be returned (unless the judge orders something different). Notice of a default judgment, as required by. A clerk may enter a default judgment in a written obligation (e.g. , contract or promissory note) action only if the amount due is set forth. You should pay the judgment against you as soon as it becomes final. If you do not pay, the creditor can start collecting the judgment right away as long as:.