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Unless you can show "excusable neglect," which means something like you were hit by a car and unconscious in the hospital, then I'm afraid you have had your opportunity for due pocess, and your only recourse is to try to negotiate payments or a settlement with the creditor -- or, file for bankruptcy protection.
Hope this helps.
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Not in any court I've ever been in. It need to be a serious. problem where no reasonable person would have been able to appear at the hearing.
I'd love to give you some air-tight excuse that would work, but your facts just don't provide anything useful to work with.
Please don't shoot the messenger, but you'll just have to move on to the next set of options.