WikiAnswers - What does a judgment mean on an unsecured credit card

WikiAnswers - What does a judgment mean on an unsecured credit card: "What does a judgment mean on an unsecured credit card?
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It means the creditor has won a lawsuit, been awarded a writ of judgment and can execute the judgment against non-exempt assets and property as defined by state law that belongs to the judgment debtor. The preferred method of executing a judgment is by wage garnishment, followed by bank account levy, the seizure and liquidation of non-exempt property and liens against real property. The state exemptions allowed for personal and real property when properly used can give the defendant/debtor considerable protection against the enforcement of a creditor judgment."