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The Fair Credit Reporting Act, a federal law, establishes the statute of limitations for judgments as 7 years from the date it was rendered. You can research Florida law to see if there is any overriding statute that extends that reporting period. Plaintiffs do have the obligation to serve papers to a defendant. However, creditors are not obligated to go beyond all reasonable means to find the consumer, only to make a "good faith" effort. So if the judgment was filed by a creditor with an old address, or a collection agency that does not have good contact information, they may have attempted to serve you and been unable to.

There are certain conditions under which a judgment can be renewed and continue on file in excess of 7 years. These are also determined by state law. Plaintiffs who are granted a judgment by the court are able to garnish wages, attach bank accounts, and place a lien against property.

You should also be aware that paying a judgment is not necessarily the end of this matter. Judgments, being legal actions, need a legal disposition. The proper disposition is a dismissal (order to vacate) or a satisfaction of judgment. If you were able to pay the judgment off today, you would need to take the process two steps further; go before the court and get a satisfaction granted and have that disposition recorded. It would also be a good idea to send a copy of the disposition to all three credit bureaus.

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Related Questions

How do you collect a final judgment in the Florida?

File the judgment with the clerk of the court in the county where it was issued in the manner in which you choose to collecct the debt owed.


Does Tennessee allow garnishments for credit cards?

Garnishments can only be issued on debts which have been taken to court and a judgment has been issued. A person can be sued and taken to court for a credit card debt.


How do you get an outstanding judgment placed on someone's credit report?

Placing JudgmentsFirst you need to win the judgment in court proceedings. Then with that paperwork, you can contact the credit reporting agency. With that judgment, you can also do a search of the person's assets (through the internet) and put a lien on the assets.Individuals do not report judgment awards to credit reporting bureaus that is done by independent agencies contracted by the credit bureaus.A judgment cannot be used to access a person's financial and personal information, that is done via discovery documents issued before the judgment is entered against the debtor/defendant.


How long does it take for a judgment to show up on your credit report after it has been issued by the court?

Usually within 30 business days.


How long does a judgment stay on your credit report and does the time limit start from the day it is filed or from the day it's paid off?

== == A judgment will remain on a credit report for the full 10 years. If it is paid it will still show on the report as "satisfied" or similar wording. The time is determined by the date the judgment is issued.


How can you get a 'satisfied' judgment removed from your credit report?

To get a 'satisfied' judgment removed from your credit report, you can contact the credit reporting agencies and dispute the information. Provide any documentation that shows the judgment has been satisfied. You may also need to reach out to the creditor or court that issued the judgment to request that they provide confirmation of its satisfaction to the credit bureaus.


Does new york allow wage garnishment 4 credit card debt?

No, not for the debt alone. For garnishment to occur in any state, the creditor must have a valid civil judgment. Unpaid credit card debt, however, is a common reason for a judgment to be issued.


Court date for a judgment against you for not paying a credit card will you have a warrant out for you if you don't go?

No. It is Civil Court not Criminal Court. There will be no warrant issued.


What is the Florida law concerning items purchased using store issued credit cards?

Florida has no law concerning items purchased using store-issued credit cards. In the eyes of the law, a store credit card is no different than a regular credit card if the card provides a mechanism to pay over time (i.e., longer than one month) and there is a credit limit associated with the card. Florida does not have a specific law concerning goods purchased with a credit card; rather, Florida sets guidelines as to the pricing of the cards (e.g., maximum interest rate, fees charged).


What does writ amount mean?

The amount of a court issued judgment.The amount of a court issued judgment.The amount of a court issued judgment.The amount of a court issued judgment.


How do you get proof that a judgment has been satisfied?

To obtain proof that a judgment has been satisfied, you can request a satisfaction of judgment document from the court that issued the judgment. This document will show that the judgment has been paid in full or otherwise satisfied. You may need to provide this document to credit reporting agencies or other entities to update your records.


Will filing chapter 7 bankruptcy get rid of a credit card judgment?

Yes. It is the most common reason for filing for bankruptcy. If the judgment creditor had an execution issued and attached any equity in your home, you may have a problem.

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