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Jacquelyn Ann Morgan appeals the default judgment entered in favor of U. S. Bank Trust N.A., as Trustee for Vericrest Opportunity Loan Trust 2012-NPL1 Asset Holdings Trust in this action to reform a security deed. Morgan argues that the trial court erred in entering the default judgment because her answer to the complaint was timely filed. We agree and therefore reverse.

U. S. Bank Trust filed a complaint seeking, among other things, to add to Morgan’s security deed a provision allowing it to pursue non-judicial foreclosure. Morgan was personally served with the complaint on January 13, 2014, and filed a pro se answer on February 14, 2014. U. S. Bank Trust filed a motion for default judgment to which Morgan did not respond. The trial court found that Morgan was in default and entered a default judgment in favor of U. S. Bank Trust reforming Morgan’s security deed. Morgan filed this appeal.

 
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