In over 4 and a half years as a collection attorney, I am yet to see a situation where state civil procedure laws have not protected defendants from unjust default judgments. I disagree with the premise that there's something "bad" or "wrong" with a default judgment. Generally, default judgments are granted in our collection cases when the defendant knows they owe the debt and simply choose not to bother going to court to tell a Judge that they owe the debt. Within that set of cases, most defendants will also contact our office after having been served with summons in order to make payment arrangements knowing on the impending default judgment. There is no problem with the current state of civil procedure with respect to default judgments.
"Protecting Consumers in Debt Collection Litigation and Arbitration: A Roundtable Discussion" - August 5 and 6, 2009 #542930-00015
"Protecting Consumers in Debt Collection Litigation and Arbitration: A Roundtable Discussion" - August 5 and 6, 2009