Short answer
Yes. Judgment creditors often accept reduced lump sums or payment plans, especially when most of your property is exempt. Get the agreement in writing and make sure the creditor files a release of judgment when you finish paying.
Helpful next
Sources
- Tex. Civ. Prac. & Rem. Code ch. 31 (judgments), §§ 31.002, 31.006
- Tex. Prop. Code ch. 52 (judgment liens)
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.