After months of collection calls, warning letters and legal notices, many borrowers assume the worst is over once a creditor takes them to court over their unpaid debt, which millions of Americans are dealing with in today's high-rate, high-debt landscape. But for creditors, winning a judgment against a borrower with delinquent credit card or personal loan debt is often just one step in a much longer process of collecting what's owed. That's because a court judgment issued against a borrower