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.
A civil judgment for any reason can end up on your credit report, especially if you do not pay it. So if you owe hundreds or thousands of dollars in delinquent rent or property damages, a judge will probably sign an official decree demanding that you repay it.