CPLR 5015 (a) allows a court to vacate a default entered against a party "upon such terms as may be just" if the default was "excusable" (CPLR 5015 [a] [1]). In order to establish that a default is excusable, a party must show both a reasonable excuse for the default and a meritorious cause of action or defense (see Zeltser v Sacerdote,
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