Is an old judgement against me still valid?

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Is an old judgement against me still valid?

I had a judgement awarded against be 6 years ago. I did not go the hearing. The bank froze and took about $3,000 from my account. I never hear from the bank again. Now I just got a call from a collection agency demanding payment on the judgement. I do not have the money and they will not take payments they want a lump sum. What can I do?

Asked on July 22, 2011 Texas

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

How much was the judgment for? More than $3,000? When the $3,000 was taken from your bank account through a levy, did the judgment creditor give you a satisfaction of judgment in full? If you received a satisfaction of judgment in full, then the collection company cannot bother you legally for the obligation.

Most States allow a judgment to be valid for 10 years. If the judgment is not renewed before the expiration of 10 years, then it most likely will no longer be valid. Some States allow a judgment crediotr to renew a judgment only once or twice for a total life of 20 to 30 years.

Go to the court where the judgment was entered against you and see if a full or partial satisfaction of it was filed. Consulting with a debt collection lawyer on the subject would also help clear up some information for you.

Good luck.

 


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