I have a MacBook Pro, 2.33 GHz Cure 2 Duo, running OS 10.6.2. I have in my hands a factory-sealed copy of the Mac version of Fallout 2. I'd like to play it.
A judgment creditor has options for collecting the debt that other creditors don't have. These include wage garnishment orders and even seizing your property. However, once you file for either Chapter 7 or Chapter 13 bankruptcy, creditors named in the petition must stop all collection efforts. Once a judge signs the discharge order, the process is complete and you no longer have any legal responsibility to any discharged debt, including a covered civil judgment.
Sending a letter to the debt collection agency law firm will not help you in your attempts to have your default judgment vacated. If they have a judgment, they can garnish your wages and levy on your bank account. What you must do is to file a motion with the court to vacate the default judgment. You will need to go to the courthouse and get copies of the relevant documents, and then retain an attorney to prepare the proper moving papers.