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I am sorry to hear about this situation. In this case, the Plaintiff may go ahead with the lawsuit and get a judgment via the court. They can then enforce the judgment by any one of the following:
-levy of a bank account
-garnishment of net wage up to 25%
-lien of titled property
-attachment and sale of non-exempt assets towards judgment.
You do not need to file a motion to say you are not signing a judgment; you simply do not need to sign it. If there is already a default judgment, then one wants to SET IT ASIDE if possible, so yes, motion to vacate default judgment is recommended.
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