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People use the word default as if it means a judgment already exists. New Jersey practice separates the concept into two distinct stages. The first stage is the entry of default under Rule 4:43 1. The second stage is a default judgment under Rule 4:43 2. The distinction matters because the legal effect, the available remedies, and the difficulty of fixing the problem change dramatically once judgment enters.

When you are served with a lawsuit or complaint, it is critical to respond quickly. If you do not, you may face negative consequences,...