If you're asking if you can get loan, is that a loan to buy a house or buy a car or get a credit card? You don't specify. If it's for a home loan/mortgage . . . it's not easy these days and the lender guidelines are tight. If you have bad credit and court judgments -- plural? -- yeah, good luck with that. Do you think you're a good credit risk? While credit can be repaired over time, unless you clean up the judgments no one, even hard money lenders, are going to loan money to someone with court judgments. That's a lien waiting to happen.