What can I do about vacating a Default Judgment past the response time limit if I just now found out about it?

Under Arizona Law, you can file a Motion to Vacate Judgment for 6 Reasons: (1) mistake, inadvertence, surprise or excusable neglect; (2) newly discovered evidence which by due diligence could not have been discovered in time to move for a new trial under Rule 59(d); (3) fraud (whether heretofore denominated intrinsic or extrinsic), misrepresentation or other misconduct of an adverse party; (4) the judgment is void; (5) the judgment has been satisfied, released or discharged, or a prior judgment on which it is based has been reversed or otherwise vacated, or it is no longer equitable that the judgment should have prospective application; or (6) any other reason justifying relief from the operation of the judgment. If the Judgment was entered more than 6 months ago, you need to use reasons 4, 5, or 6 for your Motion. I would suggest both reason 4 and 6. Further, your motion should show that you have a valid defense against the debt, so obtaining your credit report, bank statements from the time period, and anything else you can think of, is very important, as the judge will be hesitant to vacate a judgment just to have a trial and get a new judgment against you. If you have already filed your motion and the attorney has already responded, you are allowed to file a reply to that response. You should contact a debt defense attorney for a consultation asap as replies have to be filed within days.