I'm sorry to hear this; CA has statutes that address this codified at Code of Civil Procedure section 580.
Those codes are here
Basically, money purchase loans (money used to purchase a residence) are anti deficiency, meaning the lender cannot sue the homeowner for money still owing after foreclosure; in contrast, a line of equity allows for the lender to seek a deficiency judgment.
If the party does not contest the lawsuit, the court will assume it is not being contested, and will issue a default judgment. The requesting party will need to show that the person was served,or that service was by publication (newspaper). If they can prove that then the court will issue a default judgment. If service was not proper, the party can dispute that by filing a motion to quash service and challenging the request for default on that premise.
If there is no grounds for challenging the underlying judgment, most people will not dispute it, because the court can add on the legal fees incurred by the lender, and so the consumer would ultimately be the one paying those fees.
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