If you can't pay a judgment

Sometimes the other side is willing to accept less money if you pay right away. Collecting money from your pay or bank takes a lot of time and effort. If they don't have to do that, they may be willing to take less money. If there are local agencies that help people mediate, they may be able to help you come to an agreement.

If you work something out, make sure everything you agreed about is in writing. Include:

• When the payments are due
• How often you’ll pay 
• If, how much, and when interest will be added
• Where you should send the payments
• What kind of payment is OK (check or online payment, for example)
• Who you should make the payments to

Keep detailed records and proof of all your payments, especially if you pay with cash.

In Limited Civil cases (cases for $35,000 or less), if the other side will not agree to a payment plan, you can ask the judge to order a payment plan. 

You'll need to file a written request (a motion) to do this. This is complicated and most people need assistance from a legal expert to do it correctly. Contact your local legal aid, county law library, or court's Self-Help Center to see if they help.  

The other side may get another court date to ask about what you own and where you work

The other side may have a judge order you to come to answer questions about your property, work, and any bank accounts you have (called a Debtor's Examination). They can also add to what you owe any fees or costs associated with getting the court date.

Learn about debtor's examinations

The other side may try to collect money from you

The other side may ask the court to order that the money you owe comes out of your paycheck (called wage garnishment) or bank accounts (a bank levy). These are the most common ways they may try to collect.

There are ways to stop or limit the amount that's taken if you have little money or income

If they do try to collect from your paycheck or bank account, you may be able to stop or limit the amounts taken. The next sections have information about your options if the other side does try to garnish your wages or take money from your bank account.

Bankruptcy is a process in federal court that helps people who owe money get relief from debts they cannot pay.

The Bankruptcy Guide has information about what bankruptcy is and where you can get legal help. 

Bankruptcy Guide