The statute of limitations for collecting on judgments varies from state to state. While a judgement drops off of a credit report after seven years, the amount of time to collect on that judgment may well exceed seven years.
In addition to each state having its own time frames for statutes of limitations on judgments, some states allow for a judgment to renew. This means that if a creditor files a legal document requesting the renewal of the judgment, the court that holds jurisdiction over that judgement can grant a court order to renew the judgment. When this happens, it extends the time frame for collecting on that judgment.