先来看元照词典中给出的释义：无力履行判决的。

实际的或潜在的败诉债务人所做的说明自己因没有财产而不能支付判决确定的损害赔偿金，或者在法院管辖区内没有足够的财产以履行判决，或者主张其财产享有制定法规定的免受扣押的豁免权（exempt）。也称作“execution-proof”

再看韦氏词典(Merriam Webster’s Dictionary of Law, 1996)给出的英文释义：of or being one (as a judgement debtor) from whom nothing can be recovered because he or she has no property, his or her property is not within the jurisdiction where the judgement is obtained, or he or she is protected from execution of the judgement by statute.

简单来说就是，就算下了（民事）判决也治不了他/她的人，强制只想也奈何不得的家伙，不妨称之为judgement-proof individuals，不妨译为：耐民事判决的人。