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There are two types of judgments; judgments that are discriminating, and judgments that are evaluative. Judgments that are discriminating (i.e. I prefer X over Y) reflect personal preferences and subjective opinions.
Types of Judgments Confession of Judgment: The name in many respects says it all. Consent Judgment: The Consent Judgment is a companion to the Confession of Judgment. Default Judgment: A default judgment results from a defendants failure to respond to a Complaint.
Essentially a judgment is an official decision made by the court that signifies that the plaintiff has won their court case. Settlements are not dictated by the court, but rather are an agreement by both parties regarding the outcome of the lawsuit.
A stipulated judgment agreement has similar effects as a regular judgment, but the main difference is the debtor agrees to give up essential rights. For example, you would give up any defenses you have against creditors, such as the statute of limitations.
Judgments are no longer factored into credit scores, though they are still public record and can still impact your ability to qualify for credit or loans. Lenders may still check to see whether any outstanding judgments against a potential borrower exist.
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Essentially a judgment is an official decision made by the court that signifies that the plaintiff has won their court case. Settlements are not dictated by the court, but rather are an agreement by both parties regarding the outcome of the lawsuit.
A default judgment is usually final because it disposes of all parties and all claims with the intent to fully and finally resolve the disputed issues between the parties.
Judgments may be classified as in personam, in rem, or quasi in rem. An in personam, or personal, judgment, the type most commonly rendered by courts, imposes a personal liability or obligation upon a person or group to some other person or group.
Judgments dont appear on your credit report and dont affect your credit score. But judgments may impact your ability to qualify for credit since lenders can still search for judgments via public records.
A judgment stays on your credit report for seven years, although in some cases such as bankruptcy the judgment can stay for as long as 10 years, and it does not matter what type of loan the judgment relates to: a car loan, a student loan, unpaid credit card debt, a personal loan, a cosigned loan, etc.

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