Credit Card Glossary: Terms and Definitions

Stipulated judgment

A stipulated judgment is a legally binding agreement between a delinquent debtor and creditor, specifying that the debtor agrees to take certain actions (such as paying a fixed amount on the same date of each month). The creditor agrees to the certain terms, such as reducing the balance, eliminating interest charges and fees, or accepting smaller than normal payments. If the debtor does not not follow through with the agreement, the creditor reserves the right to sue, obtain a judgment and then collect as allowed by law.

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