(However, the "creditor" is deemed to be the "defendant". 2. Judgment by confession (Article 208 (3) 2 of the Civil Procedure Act, the defendant only submitted a formal written objection despite being served the original copy of the payment order, and did not appear at the date of pleading. Thus, the plaintiff's assertion is deemed to have been led to all confessions under Article 150 of the Civil Procedure Act).