If you returned a car more than 10 years ago and a judgment recently resulted against you, you should consult with a contracts attorney in that if a lawsuit was filed within the last 3 years or so it may be barred by the statute of limitations and you should consider seeking a way to set aside any default judgment against you.If there is a judgment against you, there can be a lien placed on your property and your bank accounts can be levied upon. I suggest you consult with a contracts attorney about your situation.