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Your only hope is to have the judgment vacated due to insufficient service of process/ineffective service of process.
It is too late to complain about the amount of the judgment if process was effective - all you can do is try to have it set aside due to improper service.
That is right. If you can prove that you weren't served with process, and the creditor can't refute that with evidence, the court should vacate the judgment.
No. improper service is if you were never served with a summons to appear in court. If you were given a summons and appeared in court and asked for a continuance and you didn't follow up to find out when, that is not improper service. It is up to you to find out what your new court date is.
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