[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.fight13.com\/how-long-does-a-judgment-last#BlogPosting","mainEntityOfPage":"https:\/\/www.fight13.com\/how-long-does-a-judgment-last","headline":"How Long Does a Judgment Last in Florida?","name":"How Long Does a Judgment Last in Florida?","description":"If you have a judgment against you, you may wonder, \u201cHow long does a judgment last in Florida? Understanding Florida’s judgment duration is critical to knowing how to best address the judgment in your circumstances. An attorney from Loan Lawyers can explain how a judgment can affect you or your...","datePublished":"2024-11-10","dateModified":"2025-09-19","author":{"@type":"Person","@id":"https:\/\/www.fight13.com\/attorneys\/matis-h-abarbanel#Person","name":"Matis Abarbanel","url":"https:\/\/www.fight13.com\/attorneys\/matis-h-abarbanel","identifier":55,"image":{"@type":"ImageObject","@id":"https:\/\/www.fight13.com\/wp-content\/uploads\/2025\/09\/matis-abarbanel_avatar-96x96.png","url":"https:\/\/www.fight13.com\/wp-content\/uploads\/2025\/09\/matis-abarbanel_avatar-96x96.png","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Loan Lawyers, LLC","logo":{"@type":"ImageObject","@id":"https:\/\/www.fight13.com\/wp-content\/uploads\/2020\/03\/icon-logo.png","url":"https:\/\/www.fight13.com\/wp-content\/uploads\/2020\/03\/icon-logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fight13.com\/wp-content\/uploads\/2024\/11\/How-long-does-a-judgement-last-in-florida.jpg","url":"https:\/\/www.fight13.com\/wp-content\/uploads\/2024\/11\/How-long-does-a-judgement-last-in-florida.jpg","height":600,"width":600},"url":"https:\/\/www.fight13.com\/how-long-does-a-judgment-last","about":["Uncategorized"],"wordCount":713,"articleBody":"If you have a judgment against you, you may wonder, \u201cHow long does a judgment last in Florida? Understanding Florida’s judgment duration is critical to knowing how to best address the judgment in your circumstances. An attorney from Loan Lawyers can explain how a judgment can affect you or your business and advise you concerning how to get rid of the judgment.\u00a0What Is a Judgment?If you owe a debt, your creditors or debt collectors will likely contact you about paying off the debt. If you do not pay, they may sue you for the money you owe them.\u00a0If you do not appear to dispute the judgment in court, a default judgment may be entered against you. A default judgment may include the amount you owe, pre-judgment interest, and the attorneys\u2019 fees incurred to obtain the judgment order.\u00a0If you appear in court to dispute the judgment, but the judge finds you owe the money, they will enter a judgment order, which is the court’s final decision in the lawsuit showing what you owe the creditor.\u00a0Duration of a Judgment in FloridaAs a debtor, you need to know how long a judgment lasts in Florida. A judgment can be enforced against real property or personal property for up to 20 years under Florida law. That means that a creditor can pursue payment from you for up to 20 years from the date of the judgment if the creditor extends or renews it.\u00a0\u00a0The judgment amount shown in the court\u2019s order accrues interest until collected at a quarterly interest rate set by Florida\u2019s Chief Financial Officer. For example, on January 1, 2024, the rate was 9.09 percent. In 2023, the rate was 8.54 percent. Because interest is accruing, the amount you owe will continue to grow while the judgment remains unpaid.\u00a0Implications of a JudgmentA judgment affects your financial health. From negatively impacting your credit score to encumbering your property, a judgment is not something you can ignore without repercussions. Further, depending on how aggressive the creditor is in collecting the judgment, they may even garnish your wages, affecting your monthly income.\u00a0\u00a0\u00a0How to Address a JudgmentTo get rid of a judgment, you must proceed in one of the following ways:\u00a0Pay the judgment in full.\u00a0Settle the judgment debt with the creditor if they are willing to take a discount on the total amount due.\u00a0\u00a0Discharge the judgment debt in bankruptcy via a Chapter 7 or Chapter 13 bankruptcy.\u00a0Wait until the judgment expires in 20 years.\u00a0If you are dealing with one or more judgments, an experienced attorney from our law firm can help you determine the best course of action to release them.\u00a0\u00a0Renewing or Reviving a JudgmentA Florida judgment lien on property expires 10 years after a certified copy of the judgment is recorded in the county where the property is located. However, a creditor can extend or renew the lien for another 10 years for a total of 20 years. If the creditor does not re-record the judgment, the lien expires after 10 years.\u00a0Contact Our Florida Bankruptcy Attorneys to Learn MoreBy contacting Loan Lawyers, you can speak to a lawyer at the Total Debt Solution Law Firm. If you are experiencing stress or anxiety due to the uncertainty of debts or judgments, you can trust our firm to help you regain the financial stability you desire. We offer free consultations, so there is no financial commitment for your initial case review.\u00a0About the AuthorLatest PostsMatis AbarbanelMatis Abarbanel is the founding partner and senior attorney at Loan Lawyers in South Florida. He focuses his practice on consumer rights, helping homeowners navigate issues such as foreclosure and financial hardship. Matis also brings a wealth of experience from his previous work in personal injury law. As a devout Chasidic Jew, he is committed to making a positive impact in his community and dedicates his efforts to charitable initiatives through his non-profit organization, The Center, which aids at-risk Jewish youth. Matis actively serves clients across South Florida and is passionate about empowering individuals to secure their rights and achieve a better future.When Foreclosure Errors by Lenders Lead to Legal Remedies for Homeowners in Fort LauderdaleWhat Homeowners Can Do When Loan Documents Contain Forged or Altered SignaturesUnderstanding Florida\u2019s Debt Forgiveness Programs and IRS Rules"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"How Long Does a Judgment Last in Florida?","item":"https:\/\/www.fight13.com\/how-long-does-a-judgment-last#breadcrumbitem"}]}]