My husband had a loan with a local loan company. After we were unable to make several full payments (we made a few partial payments, as much as we could afford at the time), we got served with a Judgement notice one day. I called the loan company and they asked if I could make payment arrangements and stick to them. They lowered our payment and we paid out the loan as agreed. I asked them what to do about the judgement and he told me not to worry about it, nothing would be pursued.