It sounds like you will not be successful claiming "excusable neglect , surprise mistake inadvertence" after what you have said and all that has happened. Since the judgment is so large, you may want to consult with an attorney and maybe even a bankruptcy attorney.
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It sounds like your ability to vacate the default is minimal, at best. But to be sure, you should have the matter thoroughly reviewed by a litigation attorney, and also consult with a bankruptcy attorney
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Honestly, based on the limited information you have provided, I do not see how you would be able to successfully get the default judgment vacated. However, as my colleagues have already stated, you need to contact an attorney--especially a bankruptcy attorney--ASAP. Best of luck to you.
It sounds as if you obviously don’t know what you are doing in regard to this legal action. You don’t have a little problem you have a gigantic problem. You definitely need to seek out legal counsel. One would have to make a legal analysis of your particular facts. You have 6 months form the entry of judgment to file a motion to set aside said judgment
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