Landlord has a court judgement againt me for a months rent (and my deposit). I no longer live in the unit. I plan to pay him, but will have to do it in monthly payments. He will not agree to payments. He wants it all by the end of the month or says he will garnish my wages and start collections againts me. I do not want it to go to my credit report. Would it already be on my credit report?? What is the process? When would it be on my credit report? How long would it stay there?