Legal Question in Civil Litigation in Indiana

Re: Judgement report to Credit Bureau

Credit bureaus and title company hire people who swirl around all the courts to pick up judgments (and even complaints) entered against defendants. A judgment could be come a lien against real property of the "judgment debtor," and would have to be paid off in the event of a refinance. It would also be possible for the "judgment creditor" to foreclose on real estate of the debtor. These liens can often be wiped out by bankruptcy courts or other civil action, such as appealing the case and then winning or, simply, paying the judgment to the clerk. But the time for taking these lien-setaside measures is very limited, sometimes to thirty days after judgment. So the judgment debtor should confer with an experienced attorney as soon as possible. Most county bar associations provide a referral service if you do not know a qualified attorney.

A judgment remains on a credit report, like a bankruptcy discharge, for up to ten years.