How To Pay a Civil Judgment?

Because a civil judgment can reduce your credit score and remain on your credit report for up to seven years, paying the judgment is likely a top concern. Ignoring a judgment doesn't remove the problem. Rather, this negative remark can make it harder for you to acquire different types of financing. Fortunately, there are several ways to pay a judgment and restore your credit rating.

Instructions

1

Write a check for the full amount. If you have the money, and you want to alleviate this headache, contact the person or court system and make plans to pay off the civil judgment with one lump-sum payment. For your records, retain a copy of the check. If you decide to pay in full, skip to Step 3.

2

Establish a monthly payment arrangement. Review your finances and determine how much you can afford to pay on a weekly or monthly basis. Next, contact the individual and negotiate a payment arrangement. Once you're reached an agreement, create a terms of agreement contract. Adhere to the agreement and submit timely payments until you pay off the civil judgment.

3

Submit a letter of judgment satisfaction to the court system. Until you or the plaintiff notifies the courts, the judgment remains on your credit report. Once you've satisfied the debt, ask the plaintiff to submit a letter of judgment satisfaction to the court system handling the case. They must submit this letter within two weeks of your request.

4

Check your credit report. Depending on the court system, you may receive notification once the court removes the judgment from your records. If not, order a copy of your credit report after one or two months. Check the report closely. If the civil judgment remains on your report, contact the court system and check the status of your case.