Judgements collections

[Charles Chitwood]

Jurisdiction

Alabama

How long is a judgement good for to collect on ??

 

[adjusterjack]

20 years in Alabama.

See the statute at:

2016 Code of Alabama :: Title 6 - CIVIL PRACTICE. :: Chapter 2 - LIMITATION OF ACTIONS. :: Article 2 - Time Provisions. :: Section 6-2-32 - Commencement of actions - Twenty years.

 

[mightymoose]

Wow... 20 is pretty long...
I thought the time frame was much shorter, but even so, if unpaid it is likely still renewable.

 

[army judge]

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Wow... 20 is pretty long...
I thought the time frame was much shorter, but even so, if unpaid it is likely still renewable.

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Excellent observation, allow me to elaborate.
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Various and sundry debt types exist in Alabama.

Your state, Alabama, has different time limits based on the type of debt from which the judgment issued to initiate a lawsuit.

Debts originate from oral agreements, written contracts, open ended accounts (commonly known as revolving lines of credit), and legal judgments.


A judgment issued in Alabama is granted for 10 years, however, the creditor can renew the judgment for an additional 10 years.

Subsequent to a 20 year period passing, a creditor cannot renew the judgment, nor use any of the powers authorized with the judgment such as garnishing your wages.

Note a fine article authored by a LICENSED Alabama attorney:
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http://www.govcollect.org/files/Alabama_Collection_Law.pdf
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