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Should We File Bankruptcy on Our Student Loan Judgment? – In California, judgments are good for 10 years and can be "renewed" for another 10 years by simply filing a form with the court. Fact is, there are only 3 ways to get rid of a judgment: pay it (they can be settled for less than 100%), discharge it in bankruptcy (see below),

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What It Means To Have A Judgment Filed Against You – What Can A Judgment Creditor Do? If a judgment has been issued against you, the creditor can satisfy its judgment by freezing your bank account and taking a portion of your wages. Procedures differ from state to state. For example, in New York the creditor needs to get in touch with an enforcement officer such as a Marshal or Sheriff.

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