Factsheet: I have a judgment debt against me but am unable to pay

What is a judgment debt?

If there is an order of a Court or Tribunal against you requiring you to pay money, it is called a "judgment debt". Judgment debts can be enforced for 12 years after the date of the judgment in NSW.

Generally, you should seek legal advice if someone is seeking to enforce a judgment debt against you.

This Factsheet will address the following questions:

• What is a judgment debt?
• How long do I have to pay the debt?
• Can I pay the debt in instalments?
• What happens if I don’t do anything?
• What is a Garnishee Order?
• What is a Writ of Levy of Property?
• What happens if I am unable to pay the debt?

Access the full PDF below for a complete guide to what to do if you have a judgment debt against you but are unable to pay it.

This resource is under review following recent changes in the law. It may not be current and accurate.