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Should We File Bankruptcy on Our Student Loan Judgment? – In California, judgments are good for 10 years and can be "renewed" for another 10 years by simply filing a form with the court. Fact is, there are only 3 ways to get rid of a judgment: pay it (they can be settled for less than 100%), discharge it in bankruptcy (see below),
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Court judgments for debt: Your options after the gavel. – Getting slapped with a court judgment can fill a debtor with dread. Most credit card debt is "unsecured," meaning it is not backed by property such as a home or car. But after a judgment ruling, the creditor can take steps to seize part of your wages, freeze your bank account, or even haul away your belongings.