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NEED PAYMENT

Someone or some business owes you money.

JUDGE ORDERED

You took that entity to court and a judge ordered them to pay you.

LOCATE ASSETS

To get your money you need to locate assets and file a “Writ” of execution.

ENFORCE JUDGMENT

Now you have options to enforce your Judgment.

Can My Judgement Expire?

Receiving a judgement from the courts should be a weight lifted from your shoulders. More often than not, this weight is put back on your shoulders after your debtor avoids paying even after the judgements been made. The courts are not responsible for enforcing their judgement, and they leave it up to you and your own legal devices to pursue your judgement. If your debtor avoids paying the judgement for years, the judgement might reach the statute of limitations and become null and unenforceable. This is terrible for you if you are the creditor and wonderful if you are the deadbeat debtor. Avoid this possibility by knowing the statute of limitations on your judgment and paying close attention to your legal avenues for pursuing your judgement.

How long is my judgement good for?

Your judgement is only good until the statute of limitations passes. The statute of limitations varies by state. Here is a chart that displays current statute of limitations on judgements in the United States. Understanding how long you have to enforce your judgement is pivotal for figuring out how aggressively to pursue your judgement. If time is running out, it is a good indication that it is time to explore all legal means to recover the debt. Time is important when it comes to judgements.

How long is the statute of limitations in my state?

The statute of limitations varies by state and it is important to understand how long your judgement is good for by looking at this chart. In order to figure out the statute of limitations for your specific state, simply pull up the chart, find your state, and add the amount of years to the date of your judgement. The resulting date is the time when your judgement becomes null and void if you have not collected what you are owed. It is very important to understand how much time you have in order to avoid losing your judgement because the courts do allow renewals and extensions.

How long do you have to collect on a judgement?

You do not have forever to collect on your judgement. However, depending upon the state, you can petition the courts for a renewal on your judgement. Debtors are notorious for avoiding their debts and are known for avoiding legal requirements set out by the courts. In order to pursue these types of debtors, it is necessary to use every legal option available.

Can my judgement expire?

Yes, there is a statute of limitations, on how long a judgement is enforceable. This period of time is usually ten to twenty years starting from the date the judgement was awarded. Most states allow you to extend the judgement past initial number of years your judgement was active – Please check with your state and their process for renewing the judgement. Due to the varying renewal process per state, get ahead of a potential deadbeat debtor by knowing how long the process takes.

Do judgements ever go away?

Yes, judgements can go away if they have reached the statute of limitations. If you are a creditor who has won a judgement, it is extremely important to be aware of the statute of limitations on your judgement. You will lose all rights to your judgement if the time limit runs out. You have a legal right to petition the courts for more time if your debtor has still not held up their end of the judgement, but if you do nothing, your judgement will disappear.

The courts may make a judgement in your favor, but they will not aid in enforcing the judgement. They leave judgement enforcement to the creditor. If you do not know the statute of limitations on your judgement, please refer to this chart. Simply find your state and figure out how long you have to enforce your judgement. Do not let the statute of limitations expire on your judgement.

Statute Of Limitations On Judgements

After a creditor wins a lawsuit against a debtor and is awarded a judgement by the court, there is a time limit for collecting that judgement. However, many states allow judgements to be renewed one or more times, which could substantially extend the enforceability of a judgement, if the creditor is vigilant about the renewals. This can potentially result in a permanent legal obligation until it is paid.

**If a lawsuit has not been filed yet, there is a separate time limit for doing so, which you can find here.

State

SOL (Years)

Maximum Interest Rate (%)

Alabama 20 12
Arkansas 10 10.5
Alaska 5 10
Arizona 10 Fed + 5
California 10 10
Colorado 20 8
Connecticut 20 10
Delaware No Limit Legal + Fed Discount + 5
D.C. 3 70% of interest rate

or 6% if not specified

Florida 20 10
Georgia 7 12
Hawaii 10 10
Iowa 6 10.875
Idaho 20 9
Illinois 20 8
Indiana 20 10
Kansas 5 4% above Fed Discount
Kentucky 15 12
Louisiana 10 9
Maine 20 7.5
Maryland 12 15% if under 30 months,

T-bill rate if over 30 months

Massachusetts 20 10
Michigan 10 20
Minnesota 10 6.953
Mississippi 7 5% changes yearly
Missouri 10 Amount in contract
Montana 10 9
North Carolina 5 10
North Dakota 6 1% above bond equiv Yield
Nebraska 20 2% above Prime
New Hampshire 20 10
New Jersey 14 No provisions
New Mexico 20 8.75% without written contract
Nevada 10 9
New York 10 8
Ohio 21 12
Oklahoma 5 10
Oregon 10 4% over T-bill
Pennsylvania 4 9% renewable @10 yrs
Rhode Island 20 6
South Carolina 10 12
South Dakota 20 14
Tennessee 10 10
Texas 10 10
Utah 8 can be 18% w/Agreement

or 6% without

Virginia 8 Judgement Contract Rate
Vermont 20 12
Washington 10 9
Wisconsin 10 12
West Virginia 20 10
Wyoming 5 12

**The information above is believed to be accurate at the time of the creation of this page, and is for reference only. We are not attorneys, and nothing here should be construed as or relied upon as legal advice. If you are concerned about possible lawsuits, you may wish to confirm this with your state’s Civil Code and/or a qualified attorney.

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