Without seeing all of the documentation it is hard to answer your question. If you had insurance on the car at the time of the alleged collision, I would speak to your insurer. If not, then you can consult an attorney in the state where the alleged collision took place. They would be in the best position to advise you if you can now go back and fight the original judgement.
In my view, you are out of luck. Even if as you say you did not know about the original action that resulted in a default judgment being taken against you, you admittedly did find out about it and in fact have been making payments but now, 8 years later, have a change of heart. Unfortunately, and as a generality, to set aside a default judgment, you have to show not only that you have a meritorious defense (as you say, that you were not involved in the claimed accident), but you also hae to convince the court that you have a justifiable excuse for not having answered both the original summons and complaint,but also the motion for default judgment you probably received. After 8 years, and you making payments, it is not likely that a court will excuse you from paying the judgment.
Tough one. Need to file motion to vacate judgment
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It appears that you may have a tough time trying to vacate the default, but call one of the lawyers in your state who answered above to discuss.
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Remember that the insurance company is not on your side. Having said that, it would be advisable to contact a Massachusetts attorney to discuss it. Our office will always take your call at 800-200-7752. It's just better to contact a personal injury attorney to know all the aspects of the case and there's no obligation, its just an exchange of information. But without knowing all aspects of the case its hard to say exactly what your recourse is. Thanks, Kevin
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