How Do I Find Out If I Have Any Judgments Against Me?

Chloe Meltzer

February 10, 2021

Know where to look for judgments against you.

Summary: Not sure if you have any judgments against? Here's how to find out what a judgment means for you and how to deal with it.

Whenever you borrow money, whether it is a loan or in the form of a line of credit, you will be required to repay it. Sometimes life happens. If you are not able to pay back the money that was loaned to you, it can end up in a lawsuit.

After a successful debt lawsuit, the creditor or lender who brought forth the lawsuit may have a judgment against you. Judgments are not to be taken lightly and can greatly impact your finances for years to come. The worst situation is being caught with an outstanding judgment that you are unaware of.

Finding out if there is any form of judgment against you is a great first step in sorting out your finances and getting back on track.

Learn What a Judgment Means for You

When a judgment is filed against you, you will usually be given a variety of notices. This means that although it may be difficult for a judgment to be filed against you without you knowing, it is still not impossible.

Typically a summons will be sent to you by mail, or “served” to you in person. This summons will let you know when you need to show up in court, or the date you need to respond by. If you do not abide by these guidelines then a default judgment will be entered against you. Default judgments are the last situation you want to be in and are easy to avoid, simply by responding to the summons.

Avoid default judgments with SoloSuit.

Find Out if You Have a Judgment Against You

Call the Court

If you received a summons, or you were served, and you did not appear in court, then you most likely can assume there is a judgment against you. This can be checked by simply calling the court on the summons.

Check the Mail

It is also good to note that you will typically be notified when a judgment is entered against you by mail. In some cases when you have changed addresses, or mail is lost, then you may not be aware.

Look for Wage Garnishment

Another way you may be notified of a judgment would be through wage garnishment. This means that you may notice the creditor or a collection agency removing funds from each of your paychecks to pay off your debt.

Don't Search Your Credit Report

Although you may believe that you can check for a judgment by pulling your credit report, this is not the case. To see this, you would need to run a judgment search through a title company or go through the county recorder's office. This may show a debt, but it will not show a judgment. Most often a judgment can last up to 20 years, so finding out sooner than later is your best bet.

Use SoloSuit to respond to debt collection lawsuits fast.

Handling a Judgment

If you have found that you have a judgment against you, it is important to act fast. Judgments can mean loss of wages, money, or property. Overall it can cause you trouble when it comes to obtaining insurance, obtaining loans, or renting a house.

If you can, respond to a lawsuit before a judgment occurs. Debt collectors can often help you by coming to an agreement. Your best bet is to avoid the point of being sued altogether before it's too late.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Start My Answer

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for Debt Collection Guides for Other States

Here's a list of guides for other states.

All 50 states.

Guides on How to Beat Every Debt Collector

Being sued by a different debt collector? We're making guides on how to beat each one.

Other helpful articles

Need more info on statutes of limitations? Read our 50-state guide.

Need help managing your finances? Check out these resources.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

SoloSuit FAQ

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit