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.
Civil judgments related to credit accounts, such as defaulted auto loans, are recorded in the public record section of your credit report. Judgments must be removed from your report after 7 years, but from the date of the judgment, not the date of first delinquency of the account. So, each time a collector is granted a judgment to collect a debt, the judgment will appear on your credit report and will remain for 7 years from the date of the judgment.