A judgment is good for 10 years (not 12) after entry, unless renewed. The renewed judgment amount can include all interest and certain costs accruing since the last renewal, so at 10% per annum, it doubles every 10 years. If the judgment was discharged in yourbankruptcy, then the judgment creditor had no right to renew it as against you personally.? (Is that what you mean by saying you were told they can't collect?). However, if you owned real property, and if the judgment creditor recorded an abstract of judgment in the county where the property was situated before you filed your bankruptcy petition, then your property had a judgment lien against it as of the date you filed. A lien against property "rides through" bankruptcy unless the debtor or the trustee does something to "scrape off" the lien.So, if all the "ifs" above are satisfied, you may not personally owe the debt anymore, but the judgment is still attached to your property as a judgment lien. That means that the judgment creditor could try to have the property sold to satisfy the lien, or just wait until you sell or refinance the property and then claim the amount due. With so little information to go on, and a number of possible "ifs" including the ones mentioned and maybe many more, it is not possible to give you a very complete answer, as you can see. You should visit a local attorney with whatever papers you have in connection with this judgment and your bankruptcy and any real property that might be involved, and see what he or she says.
Answered on Nov 30th, 2012 at 4:35 PM