How long do judgments stay on my credit report and will they ever come off? 8 Answers as of September 12, 2013I have three judgments against me dated 2006 on my credit report. I don't have the money to pay them. Is filing bankruptcy the only protection from these creditors or can they pursue me indefinitely?
Utah Bankruptcy Law Advocates PC | Linda D. Smith
Judgments in Utah are good for eight years, but they are renewable for an additional eight years and so on and so forth. They could keep the judgments alive forever. Will they bother, who knows? It depends on the amount and the creditor. If you file for bankruptcy relief the judgments will be discharged, no longer available for renewal. You credit will only get better too. There are many other issues you need to address before making a decision though.
Answer Applies to: Utah
Law Office of John C. Farrell, Jr. | John C. Farrell, Jr.
The judgment themselves are valid anywhere from 10 to 20 years, depending on the state you live in. Once that date expires the attorney can motion the court or file another action to renew and enforce collection of the judgment. With respect to the credit reporting, a judgment can stay on there for 10 years.
Answer Applies to: Massachusetts
Kevin H Pate | Kevin H Pate
Once a creditor has a judgment he can try to collect. If the judgment is about to expire after time, he can file to renew the judgment and continue to tr to collect. If he fails to renew the judgment then it will lapse. They do not fail to renew very often.
Answer Applies to: Oklahoma
Edelman, Combs, Latturner & Goodwin, LLC | Daniel A. Edelman
Under the Fair Credit Reporting Act, a judgment may be reported on your credit report for 7 years after entry. Under Illinois law, a judgment may be enforced for approximately 20 years, but must be revived after 7 years. I say "approximately" because revival or collection proceedings commenced within the 20 years but concluded afterwards may extend the period.
Answer Applies to: Illinois