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The creditor can often place a lien on your property, such as a house or car. The lien must usually be paid off before you can sell the property. Seize assets. Sometimes, a creditor can get a court order to seize other assets or personal property you own, such as a vehicle or real estate, to satisfy the debt.

If the defendant does not answer the complaint or fails to appear at a required court hearing, the defendant is ?in default.? Before the person who filed the complaint can attempt to collect any amount of money after defendant's default, the court must also have a record that proves what amount the defendant must pay.

Under New Jersey law, each debtor is entitled to an exemption protecting $1,000 of personal property from collection to satisfy a judgment. In addition, welfare, social security and unemployment benefits are protected from judgment levy.

The Application/Cross Application to Modify a Court Order is a written request in which you ask the court to change or enforce an existing court order. The court will change an order only if important facts or circumstances have changed from the time the order was issued.

In order to have a Judge Vacate a Final Judgment, you must show ?Excusable Neglect? for not coming to Court sooner, and you must also show a ?Meritorious Defense.? One of the most common reasons the court will grant a motion to vacate final judgment is that you were never served with the Complaint.

The statute of limitations on a judgment is 20 years ? not six. Further, a creditor can renew the judgment. Also, he said, there is an exception to NJ Statute of Limitation law. ?The six-year statute of limitation does not apply to contracts between merchants or a sale of goods under NJ's Commercial Code.