Unless the son is an attorney he cannot raise claims for legally belonging to his father. It is a matter of standing. There is time to set aside the default by father to raise the defense.
A guaranty to answer for the debt of another in California must be in writing.
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"I understand once a default is entered, all allegations are taken as true" -- Your understanding is incorrect. You must still prove each element of your case, including a writing which evidences the guarantee you allege.
If there was no guarantee by the father you have no claim against the father. I do not see how you get to a fraudulent transfer by the father when father had no underlying obligation to you. I see a judgment for the defense.
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you may have a lot of problems, how much is the loan for?
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If the underlying amounts are enough to buy a house you are best served hiring a strong litigation attorney to vigorously prosecute your claims against father and son and try to attach their assets pre judgement if grounds exists.
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