PROCEEDINGS: REQUEST FOR ENTRY OF DEFAULT JUDGMENT 

MOVING PARTY: American Express National Bank  

RESPONDING PARTY: Paola Womac a/k/a Paola G. Womac  

BACKGROUND 

This is a collections case.  Defendant Paola Womac applied for and received two credit card accounts issued by American Express National Bank.  Defendant defaulted in making the required payments to both accounts.   

On November 1, 2023, Plaintiff filed a Complaint against Defendant.  The Complaint alleges common counts.  The Complaint seeks $35,108.75 in damages.  Since the Complaint, Defendant has made payments totaling $2,961.25, and the current outstanding balance owed to Plaintiff is $32,147.50.    

Plaintiff filed a proof of service showing Defendant was served by substitute service on November 13, 2023.  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 April 11, 2024.  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 $32,597.50, which is comprised of: (1) $32,147.50, for damages, and (2) $450, for costs.  

ANALYSIS 

Code Civ. Proc. § 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 Code Civ. Proc. § 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 $32,147.50 as amounts owing on Defendant’s credit card accounts.  A memorandum of costs in the amount of $450 is set forth in Item 10 of the CIV-105 form.  The evidence submitted (the credit card agreement and billing statements) 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-105 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, requested dismissal of doe defendants 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 American Express National Bank’s Request for Default Judgment is GRANTED as to Defendant Paolo Womac.  Judgment in the amount of $32,597.50 is awarded in favor of Plaintiff.