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A judgment is a legal decision made by a court of law. If a person has an unpaid debt and is sued for repayment,  the court can issue a judgment that awards the creditor the legal right to pursue collecting the debt. A judgment for debt can be enforced against the debtor as a wage garnishment and a levy on a bank account. It can also lead to a lien filed against the debtor that will appear on the debtor's credit report in the public records area and encumber the sale of property the debtor owns, such as the debtor's house.


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