What happens when a judgement is filed against me?


Quick Answer

When someone files a suit against a person to get a judgement, it means that the person who filed the suit, the plaintiff, feels they are owed money by the defendant. The plaintiff files a lawsuit with the court, then the judge decides whether a judgement against the defendant is warranted, according to Illinois Legal Aid.

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Full Answer

Before a ruling is made, the defendant must be notified that a judgement against them is being requested, and the defendant will have an opportunity to plead his case in court. The plaintiff must make clear the reason why they are seeking a judgement and they must provide facts and reliable proof as to why the judge should rule in their favor, notes Illinois Legal Aid.

If it is decided that a judgement should be issued against the defendant, they will be ordered by the judge to pay the amount requested by the defendant. What this means is that if the money cannot be paid upfront, it's possible that the judge can have the defendants wages and their bank account garnished until the amount of the judgement is paid off. The judgement will also most likely appear on a credit report. If the plaintiff is agreeable to the idea, the defendant may be able to work out a payment plan that will allow them to pay off the amount of the judgement over a certain period of time.

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