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And some states also allow judgment liens on the debtor's personal property -- things like jewelry, art, antiques, and other valuables. In Minnesota, a judgment lien can be attached to real estate only (such as a house, land, or similar property interest).
After you win a judgment, you must then have the judgment docketed. This process is sometimes called “transcribing the judgment.” You can docket a judgment by filing an Affidavit of Identification of Judgment Debtor form with court administration in the county where you were awarded the judgment.
Do I Have A Judgment Against Me? As noted above, you're not supposed to wake up one day to find a judgment against you. You're supposed to receive notice of a lawsuit, followed by a period of time during which you can choose to respond to the Complaint.
Go to the clerk's office during regular business hours. Give the clerk your name, the name of the case, or the docket number. They'll look up the case and retrieve the record for you. If you don't know whether you have a judgment against you, the clerk can look up this information for you.
In a debt collection lawsuit, a judgment is a court order that allows the debt collector to use stronger tools, like garnishment, to collect the debt. A judgment is an official result of a lawsuit in court.
How long does a judgment last? Judgments last for ten years and then can be renewed for another ten years. There is no limit to how many times a judgment can be renewed as long as the creditor takes the appropriate steps every ten years. So a judgment against you will potentially last forever.
Most creditors will file the release of judgment within 30-60 after you finish paying them. What if I need the judgment released immediately (“I'm supposed to close next week!”)? You can ask them to give you the release sooner. They might do it; they might not.