Alabama Consumer Law Blog
A consent judgment is where you agree to have a judgment against you in a collection lawsuit.
A judgment is a document that is from the judge and filed into court. It states that the debt collector can get money from us.
A consent judgment is where we agree to have a judgment against us.
It seems odd to agree to something like this, right?
It’s incredibly rare for a consent judgment to be appropriate in a collection lawsuit. That’s my opinion — others will disagree.
But let me explain.
This is a real judgment. Sometimes people argue that these are “not really judgments” etc. Nope — it is a real live judgment against you.
If we agree to a consent judgment it will show up on our credit reports, and they can garnish our wages.
The debt collectors argue that if we agree to do a consent judgment, they will work out a payment plan instead of garnishing our wages.
Which is an advantage, but a judgment is a judgment.
Debt collectors either don’t know or don’t care that a consent judgment can impact your credit report immensely.
Before you even think about a consent judgment, you should consider your options first. (You actually have 5 options when sued by a debt collector).
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