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Armed with the judgment, the holder of the debt, called a "judgment creditor," can take legal steps to seize the amount.

It can also charge interest at a court-approved rate, typically in the range of 5 percent to 10 percent, until you pay up. Instead of being the end of the line, a court judgment marks a phase in dealing with debt, a phase that comes with its own set of choices: Fight the decision.

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Getting slapped with a court judgment can fill a debtor with dread.

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