How Long Does a Judgement Last?

George Simons

October 08, 2021

Don't carry around that debt forever.

Summary: Have an old judgment against you that just won't seem to go away? Learn why you still might be responsible for your old debts and how to know if you're not.

If you face a debt collection lawsuit, the court may enter a judgement against you, giving the creditor a right to claim your property to recover the money you owe. However, it is essential to note that time limits on judgement liens differ from state to state, as discussed in this article.

Alabama

In Alabama, a judgment lien attaches to the debtor's property for up to 10 years, even after the debtor sells the property. In this state, a judgment lien can only apply to a debtor's real estate and not personal property.

Alaska

Similar to Alabama, in Alaska, a judgment lien on a debtor's property is valid for 10 years. Also, the lien only applies to real estate and not personal property.

Arizona

In Arizona, a judgment lien applies to the debtor's property for 5 years, and the judgment stands even after the debtor sells the property.

Arkansas

In Arkansas, a judgment lien on property is valid for 10 years.

California

The California law gives judgment liens on property a 10-year life-cycle.

Colorado

In Colorado, a judgment lien is valid for 6 years from the date of the entry of the judgment.

Connecticut

In Connecticut, a judgment lien applies to either real estate or personal property. Liens on real estate are valid for 20 years, while those on personal property are only valid for 5 five years.

Delaware

In Delaware, judgment liens on real estate expire after 10 years and remain in effect even after the sale or transfer of property.

Respond to a debt collection lawsuit in 15 minutes with SoloSuit.

Florida

A judgment lien in Florida applies to the debtor's real estate for 10 years and 5 years for personal property

Georgia

Georgia's judgment liens on property are valid and enforceable for 7 years from the date of entry.

Hawaii

In Hawaii, judgment liens are effective for 10 years after judgment entry. This lien remains valid even if the property switches hands.

Idaho

The duration of a judgment lien on real estate in the state of Idaho is 5 years.

Illinois

In Illinois, a judgment lien remains in effect for 7 years, even if the creditor does not force a sale.

Indiana

In Indiana, a creditor can enforce a judgment lien right within the first 10 years by attempting to foreclose on any real property or personal property you own.

Iowa

Iowa's judgment liens on property are valid for 10 years, even after sale or property transfer.

Don't let debt collectors intimidate you. Respond with SoloSuit.

Kansas

In Kansas, a creditor should begin proceedings within 5 years after entry of a judgment lien against the debtor or risk dormancy of the judgment.

Kentucky

In Kentucky, judgment liens on the property remain effective for 15 years. Creditors can also begin foreclosing on personal property 10 days after the entry of judgment.

Louisiana

According to Louisiana law, a judgment lien on real estate is valid for 10 years.

Maine

In Maine, judgment liens on the debtor's property are valid for 20 years from the date of the filing of the writ of execution.

Maryland

In Maryland, a creditor has twelve years to execute a judgment lien. If you file for bankruptcy,

the creditor can no longer collect on their debt even with the judgment in place.

Massachusetts

After issuing a judgment lien in Massachusetts, it attaches to the debtor's property for 20 years.

Michigan

A judgment lien on property in Michigan is valid for 5 years.

Minnesota

A judgment lien in Minnesota lasts for 10 years. However, judgment liens do not apply to all real estate which can be confusing to some debtors. Consulting with Solosuit will ensure you fully understand any judgment lien entered against you.

Mississippi

A judgment lien in Mississippi attaches to the debtor's property for 7 years even after the sale or transfer of the property.

Missouri

Under Missouri law, a judgment lien is collectible for 10 years even if the debtor sells or transfers the property.

Montana

In Montana, a judgment lien on the property is valid for 10 years. Therefore, the sale or transfer of the property does not affect the validity of the judgment.

Make the right defense the right way with SoloSuit.

Nebraska

In Nebraska, creditors should enforce judgment liens on property within the first 5 years, after which the judgment becomes dormant.

Nevada

Judgment liens in Nevada on both real estate and personal property remain valid for 6 years.

New Hampshire

Actions of debt upon judgments liens in New Hampshire should start within 20 years.

New Jersey

A judgment lien in New Jersey remains attached to the debtor's property for 20 years. The judgment stands even if the property switches hands.

New Mexico

According to New Mexico's law, a judgment lien on a debtor's property expires after 14 years.

New York

In New York, judgment liens on both personal and real estate are valid for 10 years. The judgment stands even after the sale or transfer of the property.

North Carolina

In North Carolina, a judgment is valid for 10 years. However, creditors can apply to renew the judgment for another 10 years to get additional time to collect the amount owed.

North Dakota

A judgment lien on property in North Dakota lasts for 10 years. The judgment stands even after the sale or transfer of the property

Ohio

In Ohio, Judgment liens only apply to a debtor's real property and will remain in effect for 5 years.

Oklahoma

A creditor in Oklahoma should execute a judgment lien on property within 5 years.

Protect your wages and property with SoloSuit.

Oregon

Oregon's judgment liens on property expire after 10 years of judgment entry. However, a court may extend judgment remedies for another 10 years.

Pennsylvania

Pennsylvania's judgment liens on property are valid for only 5 years. However, creditors can file for judgment revival every 5 years for up to 20 years.

Rhode Island

A creditor can execute a judgment lien in Rhode Island within 20 years from the date of the judgment.

South Carolina

In this state, the judgment lien remains attached to the debtor's property for 10 years. However, creditors cannot renew judgment liens after expiry.

South Dakota

South Dakota's judgment liens on property last for 10 years and remain in place even if the debtor sells or transfers the property. After expiry, creditors can apply to renew the judgment for another 10 years.

Tennessee

Tennessee law provides the validity of 10 years for judgment liens on real estate. Also, a creditor can still enforce this lien even if the debtor sells the property.

Texas

In Texas, a creditor should execute a judgment lien on property within 10 years.

Utah

A judgment lien in Utah remains attached to the debtor's property for 8 years. The judgment is effective even if the debtor transfers the property.

Vermont

As stipulated in Vermont's laws, judgment liens on property are valid for 8 years from the date of issuance.

Virginia

A judgment lien on property in Virginia is enforceable for 20 years from its date of issuance.

Washington

In Washington, judgment liens on real estate remain valid for 10 years. This judgment stands even when the property switches hands.

West Virginia

West Virginia's judgment liens on property continue for 10 years from the date of entry. Creditors can apply to renew the judgment for an additional 10 years.

Wisconsin

In Wisconsin, a judgment lien applies to the debtor's property for ten years, even after the property changes hands.

Wyoming

A judgment lien on property in Wyoming becomes dormant if not executed within 5 years.

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


Get Started


>>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 in your state

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.

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

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

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?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

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

Defending Yourself in Court Against a Debt Collector

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

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review