> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pylon.mortgage/llms.txt
> Use this file to discover all available pages before exploring further.

# Judgment Documentation

> Provide complete judgment documentation so the lender can determine required payoff, subordination, or treatment for eligibility.

## What this task is

This task collects **complete, unredacted documentation for any outstanding judgment** reported in the borrower’s profile.
Judgments may arise from:

* Civil lawsuits,
* Unpaid debts that have been reduced to judgment, or
* Other legal actions filed in court against the borrower.

The goal is to understand the **nature, balance, priority, and resolution status** of each judgment.

## When this task is required

This task is required when:

* The borrower’s credit profile, public records, or application indicates the presence of **outstanding judgments**, and
* The loan program requires underwriters to **evaluate and document** how those judgments will be handled before or at closing.

Judgments often appear on:

* **Credit reports**,
* **Public record searches**, or
* **Borrower disclosures** during the application process.

## Why this task is required

Outstanding judgments can:

* Represent **significant unpaid obligations**,
* Lead to **liens against the borrower’s property or assets**, and
* Affect the lender’s **lien priority and risk of loss**.

Underwriting must determine whether:

* The judgment must be **paid off in full**,
* It can be **subordinated or satisfied through an agreement**, or
* It can remain outstanding under specific **program allowances**.

Without full judgment documentation, the lender cannot:

* Accurately assess **risk and lien priority**, or
* Confirm whether the loan meets **agency, investor, or internal policy requirements**.

## Documents needed to resolve this task

To satisfy this task, provide:

* **Complete court documents** related to the judgment, such as:
  * The **judgment order or decree**,
  * Any **recorded liens or abstracts**, and
  * Documents showing **case number, parties, and balance**.
* If the judgment has been **paid, settled, or satisfied**, provide:
  * A **satisfaction of judgment**, **release**, or equivalent court filing, and
  * Any **payment documentation** or settlement agreement that confirms the terms.
* If a **payment plan or negotiated settlement** is in place, provide:
  * The written **agreement** and
  * Evidence of **recent payments** consistent with that plan.

These materials allow the underwriter to determine the **required treatment of the judgment** (payoff, subordination, or ongoing) and ensure the loan complies with applicable guidelines.