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If they have filed a default judgement then you will have to file a notice of motion to set it aside so you can defend it.
Here is some information about setting aside a judgement.
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You can make an application to by instalments to the court.
Once the court makes the order you pay. But the judgement stays on your record and it will not be removed.
You can offer to pay in three instalments.
Just checking to see if there is anything else I can assist you with? If not than you for using my services and take care