Citibank (South Dakota), NA v. Reikowski

SANDSTROM, Justice.

[¶ 1] Sarah Reikowski, now known as Sarah Reikowski-Hart, appealed from a default judgment and a denial of her motion for relief from the default judgment. We conclude the trial court misapplied the law in denying Reikowski’s motion for relief from the default judgment, and we reverse and remand for further proceedings.

I

[IF 2] On July 20, 2004, Citibank sued Reikowski, alleging she had failed to pay Citibank $13,612.45 due on a credit card account. Although Reikowski corresponded with counsel for Citibank, she did not formally answer, and in October 2004, Citibank moved for…