Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - What does a creditor mean by a judgment against you ? - received a message from a creditor stating that he wanted to talk to me about a judgment against me and wants to give me the opportunity to volunteer to make arrangements before it goes to legal action. What does this mean? I have no job and I had all my money fraudulently stolen from me and I can't even file for bankruptcy yet because that costs money.