I received a letter last night that stated " This is to inform you that a judgment has been entered against you and in favor of: " the amount is way out there but I assume it is from an old car loan that I defaulted on after a long hospital stay, there is nothing in the letter about award, or awarded by a court, and I believe the six years was up allowed by NY for judgement. Is there a way to find out if a judgment was awarded by a court without calling these people and starting the statute of limitations over? And would a court award this judgment even when the vehicle was reposessed six years ago? And if this was awarded does that mean they can start taking money from my checking account or taking other personal property ie: land, other vehicles? Thank you in advance for your help.
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You can pull out your credit report and check whether there is any judgment listed there or not. If there is a judgment against you, it will automatically be reported in your credit report. The SOL on all types of debt is 6 years in New York and if the SOL has expired on your debt, the creditor cannot bring any judgment against you.