After SAIC Finance is overdue, it will take three days at the earliest and 20 days at the slowest. This shows that SAIC Finance works very fast and there is no room for flexibility. You should have been overdue for some time, and your credit information has been affected. SAIC financial company also took you to court. Even if you pay back the money, the court's judgment will be given to you.

It doesn't matter whether you receive the judgment or not, because the overdue has affected your credit investigation. Receiving the verdict is actually receiving a piece of paper, which is useless.