Won't the court get my money for me?

No. The court system will award you a judgment but you are on your own to collect. The court cannot even advise you on what your options are. Each year millions of dollars go uncollected because the courts cannot force debtors to pay.

What are my options?

As a judgment holder you have the right to assign that judgment to a third party, like us, for collection. You can hire an attorney and pay their hourly rate or you can work on collection of it yourself.

Why shouldn't I collect this myself?

Collection is not an easy task. If your debtor was going to willingly pay you they would have done so already. Finding your debtor is not the hard part, knowing what assets you can legally take and which are exempt, the court forms and paperwork that is required to perform a levy action and how to legally respond when they fight for their assets, that's where it gets hard. You will have to spend your free time confirming information, preparing paperwork, running to the courthouse, filing paperwork, court appearances and dealing with your debtor. And of course there are fees that you will have to pay every step of the way.

How do you get my money?

We employ a number of legal methods used to collect judgments. These can include liens on property, foreclosures, wage garnishment, bank account seizure, income interception, negotiated payments etc...

The method employed depends on the debtor's individual situation and level of cooperation. We use aggressive, but legal methods that have been proven effective.

How long does it take?

The length of time needed to collect any given judgment is dependant on several factors; your debtor's financial situation, the amount of the judgment. Whether the debtor is cooperative or fights us every step of the way. The work load at the courthouse and sheriff's departments also affect the overall length of time. Over the years we have found that on average it usually takes 18-36 months to collect. Sometimes it's quicker, sometimes longer, again depending on the debtor's situation.

If someone tells you they will collect in 90 days, this may mean after only 90 days they quit working on it. We will work it until the case expires.

How much will this cost me?

Nothing. Once we take on assignment we pay all the fees and expenses involved.

How will I know what you are doing?

We are happy to give legal updates on a quarterly basis. Updates can be requested by phone or through our web site.

What happens if the debtor has filed for Bankruptcy?

Federal law does prohibit collection efforts while a debtor is in bankruptcy, but all may not be lost. There are some situations where assets may still be available for collection.

What if my debtor doesn't have any assets?

While it's true we can't "suck blood from a stone", many debtors have assets that you wouldn't think about. Through our years of experience we have learned what those assets may be and how to locate assets that the debtor's are intentionally hiding.

What do I have to do to get this started?

Assignment is a very simple process; if we have sent you correspondence through the mail then we may already have information on your case in our database. You can call us at, 1-800-643-6305 and request an agreement package. If you have not received correspondence then we will need a copy of your judgment either faxed or mailed to our office. Once we have that we will enter the information into our database and generate contracts for your review. When we receive the signed, notarized agreement package back from you we will file the paperwork with the courthouse and begin working on collection.

I have other questions, how can I contact you?

Please call us toll free at 1-800-643-6305 to speak to a live, knowledgeable staff member. If you reach us after hours please leave a message and we will return your call the next business day.