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Timetable: one to 12 months. The average debtor does not have a surplus of available assets. The average judgment enforcement is like a chess game, where it takes several attempts to recover the judgment, one chunk at a time, over the long term. Eventually many debtors (having some assets) smell the coffee and eventually settle or pay off the judgment. Timetable: six months to five years. The worst case debtor is either very poor or a clever fraud. Perhaps they hid their assets or use many names and social security numbers. For well-practiced frauds or very poor debtors, it is a long shot to recover money on a judgment.
Â· just now. Report Abuse. The judgement will stay on your credit file for 7 years, whether it has been paid or unpaid. Once it has been paid in full it will show on your file as paid, which can have an impact on you applying for credit depending on the company's credit policy.eport Abuse. How it works is this: once the judgment is paid it will appear in your credit report as having been satisfied. It will show the creditor that you did have the judgment in the past, but you have taken care of it finally. It does not get erased completely until after 7 years.