Here are four ways to avoid paying a judgment: 1) Use asset protection tools such as an asset protection trust, 2) use legal exemptions, 3) negotiate with the creditor, 4) file for bankruptcy.
If you don't respond to the lawsuit within the specified time frame (usually 20 to 30 days), the court could eventually issue a default judgment in the debt collector's favor. This gives them powerful tools to collect the debt, including: Wage garnishment (taking a portion of your paycheck)
You may be able to negotiate a voluntary payment plan with the debt collector. Second, you can file to have the judgment vacated or removed. And third, you can file bankruptcy to discharge the debt and stop all collection efforts, including those related to a court judgment.
In South Carolina, a judgment lien can be attached to real estate only.
You must execute the judgment. A document called a writ of execution must be prepared, attested to by the clerk of court, and delivered to the sheriff. This gives the sheriff the power to take possession of any non-exempt personal property and, if necessary, real property.
S.C. Code Ann. § 15-35-810. A judgment becomes a lien on real property for a period of 10 years.
Collect Before the Judgment Expires A judgment from a Small Claims case expires six years after it is issued. Most other judgments in Michigan expire 10 years after they are issued. You can renew a judgment before it expires by filing a motion to renew a judgment.
Circuit Court, E-Services 1200 N. Telegraph Rd, Pontiac MI.