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A judgment is good for 20 years, but if the plaintiff wants to enforce the judgment against land it is only good for 10 years unless the plaintiff renews it for another 10 years.
R.I. Gen. Laws § 9-26-33. Final judgments create a lien upon real estate for a period of ten years.
What happens if a defendant does not pay a judgement? A creditor can enforce the judgement and use state laws to seize assets in the hands of the debtor or third parties to collect the amount owed.
DEFAULT JUDGMENT If the defaulting party fails to cure the default after proper notice, plaintiff may motion the court for a judgment to be entered awarding the plaintiff the relief sought in the complaint.
Many Rhode Island mortgages have a provision that requires the lender to send a notice, commonly called a "breach letter," informing you that the loan is in default before the lender can accelerate the loan. The breach letter gives you a chance to cure the default and avoid foreclosure.
How does a creditor go about getting a judgment lien in Rhode Island? To attach the lien, the creditor must request execution of attachment within 48 hours after entry of the judgment, then file the execution with the town clerk or recorder of deeds in the Rhode Island town where the debtor's property is located.
It is a court order that says you owe money to a specific person or company. A judgment lasts for 20 years. If at some time in the 20 years after the judgment you have wages or assets, the creditor may attach, or take your wages or money to pay the debt.