In some states, debt collectors may place liens on your property or force the sale of certain assets to satisfy the debt. Other common consequences include: Credit score damage: A collection account is one of the most damaging items that can appear on your credit report.

In Indiana, the most common form of collecting on a judgment once one is obtained is through the garnishment of wages. The wage garnishment statutes in Indiana are favorable for creditors.

All judgments and court records are filed in the County Clerk Office in the County where the lawsuit was filed. You can go in person to the County Clerk Office in the County where you live to ask if a judgment has been entered against you. Most counties also allow you to search online.

If the defendant responds to the lawsuit, then it can take months or even years, to finally get to a judgment – depending on how hard the defendant fights. If the defendant does not answer the lawsuit and we secure a default judgment, we must wait an additional 30 days before taking further actions.

Judgment is a court decision that settles a dispute between two parties by determining the rights and obligations of each party. Judgments are classified as in personam, in rem, or quasi in rem. Judgments are usually monetary, but can also be non-monetary, and are legally enforceable.