If I cannot afford to pay a judgment against me, now what happens?

If there is just a judgment without an order to pay by a certain date, the creditor will have several avenues of collection, including wage garnishment, asset seizure, and bank liens.  You might consider consulting with a bankruptcy attorney.  Judgments last for years.  Therefore, even if you cannot pay now, you might have assets in the future that may be subject to liens and levies.