PROCEEDINGS: REQUEST FOR ENTRY OF DEFAULT JUDGMENT 

MOVING PARTY: Bank of America, N.A. 

RESPONDING PARTY: Evgeny Gubin 

BACKGROUND 

This case arises from monies owed on a credit card account.  Defendant Evgeny Gubin applied for and received a credit account which is owned and administered by Plaintiff Bank of America N.A.  Defendant defaulted on making monthly payments, and Plaintiff has brought this action to recover the outstanding balance on the credit card account.   

On July 8, 2022, Plaintiff filed a Complaint against Defendant.  The Complaint alleges common counts for open book account and account stated.  The Complaint seeks $27,577.80 in damages.    

Plaintiff filed a proof of service showing Defendant was personally served with the Complaint on July 25, 2022.  Defendant was obligated to respond within 30 days. Defendant did not do so. Plaintiff successfully requested the entry of Defendant’s default, which was entered by the Clerk’s Office on September 12, 2022.  Plaintiff requested a default judgment on the same date. Plaintiff served Defendant by mail with both the Request for Entry of Default and Request for Default Judgment.  Defendant has not appeared. 

RELIEF REQUESTED 

Default judgment against Defendant for a total of $28,083.80, which is comprised of: (1) $27,577.80, for damages, and (2) $506, for costs.  

ANALYSIS 

Code of Civil Procedure section 585 sets forth the two options for obtaining a default judgment. First, where the plaintiff’s complaint¿seeks compensatory damages only, in a sum certain which is readily ascertainable from the allegations of the complaint or statement of damages, the clerk may enter the default judgment for that amount. However, if the relief requested in the complaint is more complicated, consisting of either nonmonetary relief, or monetary relief in amounts which require either an accounting, additional evidence, or the exercise of judgment to ascertain, the plaintiff must request entry of judgment by the court. In such cases, the plaintiff must affirmatively establish his entitlement to the specific judgment requested.¿ (Kim v. Westmoore Partners, Inc. (2011) 201 Cal.App.4th 267, 287.) Section 585 also allows for interest, costs and attorney fees, where otherwise allowed by law. (Code of Civ. Proc.  585(a).) 

Multiple specific documents are required, such as: (1) form CIV 100, (2) a brief summary of the case; (3) declarations or other admissible evidence in support of the judgment requested; (4) interest computations as necessary; (5) a memorandum of costs and disbursements; (6) a proposed form of judgment; (7) a dismissal of all parties against whom judgment is not sought or an application for separate judgment under CCP § 579, supported by a showing of grounds for each judgment; (8) exhibits as necessary; and (9) a request for attorneys’ fees if allowed by statute or by the agreement of the parties.  (CRC Rule 3.1800.)  

Here, Plaintiff has properly complied with all the substantive and procedural requirements for a default judgment. Substantively, Plaintiff declares via declaration that there have been damages in the amount of $27,577.80 as amounts owing on Defendant’s credit card account.  A memorandum of costs for $506 has been provided in item 7 of Plaintiff’s CIV-100 form.  The evidence submitted (the last monthly billing statement) is authenticated by further declaration.  Procedurally, Plaintiff properly served Defendant more than 30 days prior to requesting entry of default and default judgment, correctly completed JC Form CIV-100 in a manner that would not void or put at issue the entry of default, provided a declaration of non-military status, requested damages in amounts supported by the filings and not in excess of the amount stated in the Complaint, and filed a proposed judgment (JUD-100).   As default has already been entered and there has been no appearance or filing whatsoever from Defendant, default judgment is appropriate here.  

CONCLUSION AND ORDER  

For the foregoing reasons, Plaintiff Bank of America, N.A.’s Request for Default Judgment is GRANTED as to Defendant Evgeny Gubin.  Default judgment in the amount of $28,083.80 is awarded in favor of Plaintiff.