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What is a judgment?

Answer:

A judgment is a court order that is the decision in a lawsuit. If a judgment is entered against you, a debt collector will have stronger tools, like garnishment, to collect the debt.

A judgment is an official result of a lawsuit in court. In debt collection lawsuits, the judge may award the creditor or debt collector a judgment against you. You are likely to have a judgment entered against you for the amount claimed in the lawsuit if you:

  • Ignore the lawsuit, or 
  • Don’t respond to the lawsuit in a timely manner.  

The judge may also award additional fees against you to cover collection costs, interest, and possibly attorney fees. 

Important: Judgments give debt collectors much stronger tools to collect the debt from you. Those tools can include wage or bank account garnishments, as well as putting on a lien on your home.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The Miss April updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

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