35k credit card judgement awarded. 06/2003
I agree. A judgment can be valid for up to 20 years.
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Chapter 13 Bankruptcy Attorney
Judgment is valid for 20 years; however, it is also important to note that a judgment is not just something that damages your credit. Judgment creditors can exercise remedies such as garnishment against wages or bank accounts, and/or obtain liens on your personal or real property.
Given that this judgment is 10 years old and that it is a credit card debt; the creditor may be willing to settle the matter for much lower than that $35k amount. They may also be quite receptive to a small monthly payment arrangement to chip away at the debt. Just an option. Otherwise, you can let it sit.