Please note that many states allow creditors to renew the judgments, even after they expire. So, if your creditor gets a court order or files an affidavit or other document, it can renew the judgment for another cycle. How long a judgment cycle lasts depends on state law as well. Some states enable creditors to renew a judgment once or twice, while in others, there is no limit. Therefore, in some states, a judgment can become permanent. You are only off the hook if a creditor does not renew a judgment on time, and the judgment lapses.
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