It depends on state laws and whether the judgment is paid.
A judgment does not automatically go away—it remains legally enforceable for a specific period, which varies by state. Generally, judgments stay on record for 5 to 20 years and can often be renewed, making them last even longer.
How Long Does a Judgment Last?
✔️ Credit Report Impact: A judgment stays on your credit report for up to 7 years under the Fair Credit Reporting Act (FCRA) (unless removed earlier).
✔️ State Laws Determine Expiration: Most judgments are enforceable for 10 years but can be renewed before expiration, extending them further.
✔️ Paid vs. Unpaid Judgments: If you pay the judgment, it won’t disappear immediately, but it may be marked as “satisfied” on court records and credit reports.
🚨 If a creditor renews the judgment before it expires, they may continue collection efforts for years to come.
What Happens When a Judgment Expires?
If the creditor does not renew the judgment before it expires, it becomes unenforceable, meaning they can no longer:
❌ Garnish your wages
❌ Levy your bank account
❌ Place a lien on your property
However, in some states, expired judgments may still be collectible if you make payments or acknowledge the debt, potentially restarting the enforcement period.
How Can I Get Rid of a Judgment?
✅ Pay or Settle the Judgment – Negotiate with the creditor for a reduced lump-sum payment.
✅ Challenge the Judgment – If you were not properly served or the judgment is incorrect, you may be able to have it vacated (removed).
✅ File for Bankruptcy – Certain judgments may be discharged in bankruptcy, depending on the type of debt.
✅ Wait for the Statute of Limitations to Expire – If the creditor does not renew the judgment, it may eventually become unenforceable.
Need Help With a Judgment?
If you’re facing wage garnishment, bank levies, or liens due to a judgment, The Wood Firm PLLC can help you understand your options and fight back.
📞 Call us at 844-638-1122
📧 Email us at help@protectionforconsumers.com
Judgments don’t have to follow you forever—know your rights and take action today!
