I currently have a plaintiff that has been granted an entry to garnish my wages which I agree with the debt. I have a second plaintiff that levied my bank account today after I requested from them in writing to validate the account they are claiming I owe. A default judgment was entered against me on July 26, 2010 and the entry of judgment was done some thime in January of 2010 along with the complaint. Neither information was given to me, it was sent to my parents address where I have not lived at since 2004. Today I had to open a new checking account from preventing them to take my future payroll direct deposit. Under CCP 473.5 I meet all requirements but I am confused on the 180 day clause; I just found out January 26th, 2012 when I pulled my credit report. Can someone help me?