Judy was born in Charlotte, NC and raised in Durham, NC. She was the first female student body president at Northern High School. She graduated from the University of North Carolina at Chapel Hill with a Bachelor of Arts in Sociology. Upon graduation she worked as a research assistant for the UNC-CH Library System at Wilson Graduate Library. In 1978 she took time off to raise her three children. In 1998 she became Youth Director at McMannen United Methodist Church in Durham. In 1995 she started work at Hutchins Construction, Inc. She is the Corporate Secretary and handles all administrative functions of the firm.