How long do judgments stay on my credit report and will they ever come off? - Debt Resolution Law Questions and Answers- LawQA.com

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How long do judgments stay on my credit report and will they ever come off?

I 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?

Answer By Linda D. Smith

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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
Replied: 9/12/2013

Law Office of John C. Farrell, Jr.
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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
Replied: 9/10/2013

Answer By Gary Armstrong
Armstrong Kellett Bartholow P.C.
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That's two questions. How long on the credit report is typically 7 or ten years, depending. How long they can collect is forever if they do it right.

Answer Applies to: Texas
Replied: 9/10/2013

Answer By Darren Aronow
The Law Office of Darren Aronow, PC
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Judgment is valid for 7 years and then can be renewed by creditor for another 7 years. Bankruptcy would stop any future collections.

Answer Applies to: New York
Replied: 9/10/2013


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Judgments are good for 20 years and can be renewed. Bankruptcy will discharge the judgments with certain exceptions.

Answer Applies to: New Jersey
Replied: 9/10/2013

Answer By Kevin H Pate
Kevin H Pate
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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
Replied: 9/10/2013

Answer By Larry P. Smith
SmithMarco, P.C.
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10 years from the date of the judgment.

Answer Applies to: Illinois
Replied: 9/10/2013


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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
Replied: 9/10/2013

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