Agreed Judgment in Texas

An Agreed Judgment is a document that is signed and filed with the court that states you agree that you owe a full and final judgment.  Although an agreed judgment should generally be avoided, if it is combined with a separate forbearance agreement it can be used as a way to dispose of a lawsuit and a debt for a substantial discount and keep a creditor from harassing you in the future.

Usually an agreed judgment is required by a creditor if you are agreeing to any kind of long term payment plan. The reason for this is clear, the creditor does not want you defaulting on the agreement and having to re-sue you in the future.  With an agreed judgment, there is normally a separate forbearance agreement that says you will pay a reduced amount of the judgment over time and the creditor will never seek to collect on the judgment so long as you are making payments.

For instance, let’s say you owe $10,000 on a credit card debt and the creditor has produced enough evidence to obtain a judgment against you.  Often the creditor will agree to accept a discount.  Let’s assume the creditor will agree to accept 50% of the debt or $5,000 in a lump sum or over 12 months.  Obviously a lump sum would be ideal because you could avoid an agreed judgment but if you do not have the money in a lump sum, the only other option for this settlement is usually to pay it over 12 months secured by an agreed judgment.  You would sign a judgment agreeing that you owe $10,000 but a separate agreement would say you are only paying $5,000 over 12 months and once you pay in full the remainder of the debt will be released.

The agreed judgment is immediately filed with the court so the case can be closed because most courts will not let the lawsuit linger on their docket for another year but the creditor generally agrees not to enforce the judgment so long as you make the agreed payments on time.

If you have a judgment that was rendered against you, please contact the law firm of Weston Legal PLLC by calling, emailing, or completing the contact form on this page.  We offer flat fees and payment plans.

Get Help Now


City Links

Michael Weston provides Judgment Defense in all cities of Texas, USA :


Fill out my online form.


Read more Testimonials »