An Illinois appellate court has reversed a lower court’s dismissal of a creditor’s effort to revive a 14-year-old judgment, holding that such efforts remain valid if filed within 20 years of the original ruling—even if no earlier revival petition was made.
In Discover Bank v. White, 2025 IL App (3d) 240457, the plaintiff, Discover Bank, obtained a money judgment for $19,317.31 against Michael F. White on October 14, 2009. After initial collection attempts proved unsuccessful, no further activity was recorded for several years.
On August 16, 2023, Discover filed a petition in Du Page County to revive the judgment and served White on September 12. White moved to dismiss, arguing the petition was untimely because Discover had not sought revival within seven years of the original judgment. The circuit court agreed, finding that revival must occur in the seventh year and that failure to do so barred subsequent action.
In an opinion filed April 1, the Appellate Court of Illinois for the Third District reversed the dismissal, concluding that the trial court had misinterpreted the statute governing judgment revival, 735 ILCS 5/2-1602(a). That section provides that a judgment may be revived in three scenarios: in the seventh year after entry, in the seventh year after a prior revival, or “at any other time within 20 years after its entry if the judgment becomes dormant.”
“The statute does not require that a revival must first occur during the seventh year after judgment entry before a party may revive it within 20 years if the judgment later becomes dormant,” the court wrote.
The trial court, the appellate panel held, improperly imposed a prerequisite not found in the statute. The court emphasized that the law expressly allows for revival of dormant judgments at any time within the 20-year window, and that Discover’s filing in 2023—while beyond the initial seven-year period—was still legally permissible. The case has been remanded for further proceedings.
The ruling provides significant clarity for creditors and financial institutions operating in Illinois. It confirms that a judgment may be revived even if no action was taken during the initial seven-year period, as long as the revival petition is filed within 20 years from the date of judgment.
For wealth managers, institutional lenders, and recovery specialists, the decision underscores the long tail of enforceability attached to money judgments in Illinois. Dormant claims may still be actionable well beyond the traditional seven-year period, offering extended legal leverage in collection and recovery strategies.
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