I have a MacBook Pro, 2.33 GHz Cure 2 Duo, running OS 10.6.2. I have in my hands a factory-sealed copy of the Mac version of Fallout 2. I'd like to play it.
A judgment creditor has options for collecting the debt that other creditors don't have. These include wage garnishment orders and even seizing your property. However, once you file for either Chapter 7 or Chapter 13 bankruptcy, creditors named in the petition must stop all collection efforts. Once a judge signs the discharge order, the process is complete and you no longer have any legal responsibility to any discharged debt, including a covered civil judgment.
Having a judgment for debt filed against you is frightening, but not the final word. Consumers have choices when dealing with a court judgment. MAIN: What court judgments for debt are, how they work, your post-judgment options. Fight the judgment. File for bankruptcy. Settle the debt. Stay judgment-proof.