The judgment consequences of a garnishment and a bank lien are that both appear in the public records section of your credit report for 7 to 10 years. A civil judgment also can cause your credit score to decrease significantly. Depending on your current credit score, a judgment can cause a significant enough drop to prevent you from obtaining new lines of credit. Civil Judgments When you have a debt like a loan or credit card and you stop making payments, the lender considers you in default of your credit or loan agreement. Usually, lenders...