"If you have been served with a summons and complaint, you typically have twenty days to file a response with the court. If you fail to file with the court before your deadline, the plaintiff can ask the court for a “default judgment.” A “default judgment” is a money judgment awarded against you simply because you failed to appear in the case and defend yourself.
If the court has entered a default judgment against you, the plaintiff can collect it like any other judgment. That means she can try to garnish your wages or attach your bank accounts, among other things.
If you do not think the default judgment was appropriately entered against you, you must file a motion with the court asking the judge to “set aside” (void or nullify) the judgment. If the judge grants your motion, the case starts back up again. You can then appear in the case and assert whatever defense you have to plaintiff’s claims."