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Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question and respond.
A Florida civil judgment is valid and enforceable for twenty years from the date it is issued.If the judgment results in a lien on real property (e.g. a house), then the lien lasts for ten years.If the judgement results in a lien on personal property (e.g. a car), the the lien lasts for five years. The lien can be extended for another five years, if renewed within six months of the first five-year period.Please let me know, if you have follow-up questions.
Florida Statute 55.081 states that judgments are good for 20 years. The creditor can collect for this period of time under Florida law.
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They can garnish bank accounts so be careful on that its personal property, garnish wages for 10 years.
And yes they can extend it here
An unsatisfied judgment in the state of Florida will last for 20 years from the stamped date. If the judgment remains unsatisfied nearing the 20th year, it is advisable that you bring an “action on the judgment” in the same court in order to obtain a new judgment. This procedure will extend the judgment for another 20 years. At that point, you may be entitled to the new interest rate assigned for that year. Although your judgment is valid for twenty years, as stated above, it is only a lien on real property for ten years and then you must re-record for the lien to attach to the property for the one ten year renewable period that is allowed.
Florida has unlimited homestead the liens may attach but they cannot foreclose.You could consider Chapter 7 here to discharge the debts here, nay judgments get wiped out at discharge by the court.
Thanks for the follow up and thanks for rating 5 stars.