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The request for a default occurs only after you fail to respond to a prior proceeding. If you have no assets and you only income comes from SSI/disability there may not be much=h the creditor can do to you.
If you wish to respond you will need to file a memorandum in opposition to the request for default., You will need to explain why you did not respond previously.
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If ther ehas been no activity on the account since 2004, or atttempts to collect the debt then the staute of limnitations has been exceeded. You could have used this as a defence to the claim. You beeded to have used this defense when the original legalcomplaint/summons for a money judgment was received.
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