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A confession of judgment (COJ) gives lenders the right to enter a legal judgment into public record without taking you to court. If service is not made within 60 days of filing, the judgment becomes void.A careful lender will include in the commitment letter a requirement that the note contain a confession of judgment provision. A motion for Summary Judgment requires notice and a hearing to be held allowing the parties to argue their positions. The information on the Confession of Judgment form must be neat, clear and legible. NOTE: A suit, motion or action does not have to be pending in circuit court. In a family law case, this final decision is called the decree and judgment. Credit History Required Documentation and. Analysis. Complete the entire information sheet and return it to the judgment creditor (plaintiff) along with the documents listed on the form. In a family law case, this final decision is called the decree and judgment.