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Judgments are valid and enforceable for 12 years under MD. Cts. & Jud. Proc. §5-102(a)(3).....and they're usually renewable after that, so there's not much hope to wait out the judgment's enforceability.
Instead, the only real option is to contact the creditor, inform it that you can't continue to make payments as you've previously done and ask for a re-structure of your repayment plan.......and the alternative to that would be to file bankruptcy and have the debt discharged as an unsecured debt. This may actually be a better option if the debt is significant as bankruptcy will rid you of the obligation to repay this debt.
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