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  1. I got stuck in traffic and was too late to submit my answer with MTC private/contractual arbitration. I called the court clerk in New Jersey she said I should then file a motion to vacate along with my answer. But needed a valid excuse. Am I destined for a default? Would the court consider health reasons valid? Any advice as to how to do best go about doing this? Actually, I'm still within the 30 days of being served. I've seen conflicting rules: 35 within the date the complaint was filed and 30 days within being served. Thanks
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