If you lost a court case and got a judgment against you, this can affect your ability to:
- Rent an apartment
- Buy a house or
- Get a loan
An unpaid judgment also affects your credit score.
The first step is to pay the plaintiff the judgment amount. However, the judgment will still stay on your record until you file a Release and Satisfaction with the court.
A Release and Satisfaction, sometimes called a Satisfaction of Judgment, is a document signed by the plaintiff and filed with the circuit clerk saying that the judgment has been fully paid.
Note: There are separate and more detailed rules for judgments involving child support.
If you did not get a Release and Satisfaction after you fully paid the judgment, you should ask the plaintiff's lawyer to give you one. If the plaintiff does not have a lawyer, contact the plaintiff directly.
If you still have not received a Release and Satisfaction from the plaintiff, you may ask the circuit clerk where the judgment was entered to see how to file a Release and Satisfaction of Judgment.
Once you obtain the Release and Satisfaction, you can use it to get an order to vacate the judgment and dismissing the action.
It is important to get an order vacating a judgement after you have a release and satisfaction so you can notify credit reporting agencies.