JudgmentBuy - Nationwide Judgment Referral lead list

Home     FAQ     Articles         Judgment   Owners    Finders      Enforcers      The JB Forum.
Judgment Lead Lists:   National      California      International

NOTE: Many future-pay contingency judgments are placed instantly and not listed here. Many cash-up-front judgments sellers shop their judgments for years and never get a dime.

Quick guide:  State (Current Judgments)     AL(0)    AR(2)    AK(0)    AZ(1)    CO(0)    CT(1)    DE(0)    DC(0)    FL(0)    GA(1)    HI(0)    ID(2)    IL(0)    IN(0)    IA(0)    KS(0)     KY(0)     LA(1)     ME(0)     MD(0)    MA(1)    MI(0)    MN(0)    MS(0)    MO(0)    MT(0)    NE(0)    NV(1)    NH(0)    NJ(0)    NM(0)    NY(0)    NC(0)    ND(0)    OH(0)    OK(0)    OR(0)    PA(2)    PR(0)    RI(0)    SC(1)    SD(0)    TN(0)    TX(4)     UT(0)    VA(0)    VI(0)    VT(0)    WA(1)    WV(0)    WI(0)    WY(0)   

Updated on Thursday, October 23, 2014.   (2 judgments or debts went direct, and were not put on this list today.) These are not raw leads, these judgment leads (already pre-screened for BK - and are very likely enforceable) with informed and motivated Original Judgment Creditors (OJCs) ready to sign your agreement. (Note that 99% of judgment sellers want to be paid far more than their judgments are worth cash up-front.)

On a successful recovery, a (Judgment Enforcer, settler, or agency) pays JudgmentBuy a small percentage of their net profit - only if there is a profitable enforcement. Checks to us should be made to JudgmentBuy. Our leads are always free to lawyers.   judgments or debts went direct, and were not put on this list so far, today.) These are not raw leads or previously shopped junk, these are the best judgment leads (already pre-screened for BK - mont and are likely enforceable) with informed and motivated Original Judgment Creditors (OJCs) ready to sign your agreement.

JudgmentBuy places a lot of judgments quickly, and about 90% of our judgments get placed so fast they never make it to this list. (Dates are truncated, for specific judgment info, and the simple details of our system, please click here.)

All of the judgments below are available for cash upfront purchase (although 99% of creditors want to be paid a lot more than their judgments are worth cash upfront). Most judgments are recovered on a contingency basis. We ask that you first sign our simple (one-time) Pool Agreement PDF Agreement.

Portfolios Wanted:

Portfolio # JB 1395:
1) Aggregate amount $2,000,000 face value
2) Average amount $2,000 - $7,000 per judgment
3) Locations - CA, OR, WA, VA, MD, IL, MI, NV, AZ, UT, MN, WI
4) Good Media
5) Good chain of title




Below are general (not guaranteed accurate) summaries of state-specific judgment enforcement-related limits. (Link to State Courts.)

FEDERAL Judgment Enforcement, Federal Interest Rates: As per 28 U.S.C. 1961, Judgment interest is the weekly average of 1-year Treasury yields. Changes every week, what else would one expect of the Federal Government. (Use the National Judgment Network's www.postjudgmentinterest.com.) Generally Federal Judgments last for 20 years, except in places like Florida.

(In alphabetical order of where the debtor's assets are) - See our FAQ about Why are there so few judgments listed?. > Note, all States allow wage levies for child support, alimony, taxes, and federal student loan repayments.



ALABAMA Judgment Enforcement, Alabama Interest Rates: Pre-Judgment: 6%, Judgment: 12%. As of 9-1-2011, judgment interest is 7.5%
Statute Of Limitations (Years): Open Account: 3, Written Contract: 6, Domestic Judgments: 20, Foreign Judgments: 20. Bad Check Laws (Civil Penalty): Greater of $10 or actual bank charges. General Garnishment Exemptions: 75% of wages are exempt from garnishment. Collection Agency Requirements and License Requirements: Bond: No, License Required: Yes, Fee: $25 - $100 - Exemption for out-of-state collectors: Business License not required for out-of-state agency. See Alabama info. Mobile Alabama seems hostile to JEs. Jefferson county is broke. See our article on Alabama Judgment Enforcement.


--->  Judgments with Debtors living in ALABAMA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)




ALASKA Judgment Enforcement, Alaska Interest Rates: Maximum: Pre-Judgment: 10.5%, Judgment: 10.5% or contractual. Statute Of Limitations (Years): Sale of Goods: 4, Written Contract: 6. Domestic Judgments: 10, Foreign Judgments: 10. Alaska requires Plaintiff to give half of (recovered) awarded punitive damages to the State. (This can be waived on small judgments.) Homestead exemption is $54,000. Bad Check Laws (Civil Penalty): Damages in amount equal to $100 or triple the amount of the check whichever is greater. (But no more than $1000 over the amount of the check.) General Garnishment Exemptions: 75% of employee's weekly net income or $402.50 - whichever is more. Collection Agency Requirements and License Requirements: Bond: $5,000, License Required: Yes, Fee: $100 - Application and $200 - Agency Biennially. See Alaska info, and our article on Alaska Judgment Laws.

--->  Judgments with Debtors living in ALASKA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)




ARIZONA Judgment Enforcement, Arizona (Community Property State) Interest Rates: Pre-Judgment: 10%, Judgment: 10% or contractual. Statute Of Limitations (Years): Open Account: 3, Written Contract: 6 in AZ (4 outside AZ). Domestic Judgments: 5 - additional 5 upon request (indefinitely), Foreign Judgments: 4. (After 4 years, you can't domesticate a judgment here, but you may be able to file a new lawsuit based on the original judgment.) Note that Arizona judgments must be renewed at the latest, 90 days before the 5 year expiration time, by filing an Affidavit Of Renewal with the court. Bad Check Laws (Civil Penalty): Twice the amount of check, costs of suit, and reasonable attorney fees. General Garnishment Exemptions: See federal law, Arizona use Federal exemptions. Collection Agency Requirements and License Requirements: Bond: $10,000 minimum (based on gross income), License Required: Yes, Fee: $1500 Application Fee and $600 Annual Fee plus $23 per Officers/Managers. To recover judgments, you should be a licensed as collection agency. Note that in Arizona, a corporation can represent itself in court. To domesticate a judgment in Arizona, one needs an exemplified copy of the judgment, and it costs about $300. In Arizona, attorneys cannot serve legal documents on anyone, except a subpoena.

Arizona does not use abstracts (like California). Once you have your sister state judgment served, there is a response time (20-30 days) for the judgment debtor to answer. Assuming there is no response (default), the judgment lien will need to be recorded and the judgment creditor would request a writ of execution be issued for the property. The writ would be forwarded to the sheriff for posting the property and scheduling an auction. You would be responsible to determine if there are any third party lien holders before the sale. They may have a prior lien to the debtor's real property.

If you are not a collection agency or a lawyer, be very careful enforcing judgments in this state. Effective Tuesday, September 6, 2011 - our leads can only go to a contingency lawyer, a licensed collection agency, or an enforcer who buys judgments outright - or uses a lawyer for collections. Cheap to domesticate a judgment here, just $50. Judgments can be domesticated in Arizona; however, you cannot domesticate a foreign judgment older than four years into Arizona. To get around this, sometimes you can bring up new actions - and the creditor sues for non-payment of the judgment. See Arizona info, and our article on Arizona Judgment Laws.


--->  Judgments with Debtors living in ARIZONA:

SMALL CLAIMS, JUSTICE Court in MARICOPA county, ARIZONA, Judgment Date: 2011, Base J Amount approx: $1,641, plus 10.00% interest. Judgment value now is approx $2,205.84.
Debtor in Phoenix - Maricopa county, Arizona. Non-default small claims judgment against Male debtor (DOB 1962) shares SS with relative, no AKAs, fairly unique name, lives in a house with relatives, stable, seems to own a small boat, never BK, minor crime, two other judgments - $11.1K, $2.5K, possible employment lead - JB Ref# 2792     (Back or Home)




ARKANSAS Judgment Enforcement, Arkansas Interest Rates: Pre-Judgment: 6% (or 5 points above the Fed. discount rate.), Judgment: Contract rate or 10% per annum whichever is greater. Statute Of Limitations (Years): Open Account: 3, Written Contract: 5 (partial payment stops the statute from running), Sale of Goods: (UCC-2) - 4. Domestic Judgments: 10 - Renewable, Foreign Judgments: 10.
Bad Check Laws (Civil Penalty): Twice amount of check - can start out with $15 charge per NSF check after 30 days. General Garnishment Exemptions: $500 head of family or $200 single. Includes personal property except clothing. Collection Agency Requirements and License Requirements: Bond: $5,000 to $25,000 License Required: Yes, Fee: $125 - $5 each employee. See Arkansas info. Under Arkansas law, collection agencies are individuals or businesses that collect debts on behalf of a third party. Arkansas law exempts certain people and businesses from the definition of a collection agency. Those exemptions are found at Arkansas Code Annotated section 17-24-102. A creditor who collects its own accounts in its own name is not considered to be a collection agency. To domesticate a judgment into Arkansas, you need an authenticated copy of the judgment, pay the same fee as starting a new lawsuit, and notice the judgment debtor by mail, and you can start enforcing in 10 days (add a few days if judgment debtor is served by mail.) The phone number for Arkansas free legal aid is 800-952-9243. A successful garnishment renews the judgment. See our article on Arkansas Judgment Laws.


--->  Judgments with Debtors living in ARKANSAS:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)





--->  Judgments with Debtors living in CALIFORNIA: (Community Property State) See our article on California Judgment Laws, and California Judgment Enforcement, and our list of California Judgments here.




COLORADO Judgment Enforcement, Colorado Interest Rates: Pre-Judgment: 8%, Judgment: 8% (or higher if specified in contract or note or judgment) Colorado has annually compounded interest rates.
Statute Of Limitations (Years): Open Account: 3, Written Contract: 6, Domestic Judgments - District Court: 20 (renewable every 20), County Court: 6 (renewable every 6), Foreign Judgments: 6.
Bad Check Laws (Civil Penalty): Treble Damages and Reasonable Fees General Garnishment Exemptions: See federal law, Colorado follows Federal exemptions. Collection Agency Requirements and License Requirements: Bond: $12,000 - 20,000. License Required: Yes, Fee: Determined by collection agency board. Exemption for out-of-state collectors: Out of state collectors are exempt if (1) collecting only by interstate means (phone, fax, mail); (2) have no Colorado client; and [3] are regulated and licensed in the state in which they reside. To recover judgments related to consumer debt, you must be a licensed as collection agency. Judgments against businesses can be recovered by even those who did not start a collection agency. Recently a court in Colorado said a home can be sold without paying off the judgment lien holder. See Colorado info, and our article on Colorado Judgment Laws or Colorado Register Of Actions. Colorado Judgment interest is compounded annually.

To set up a Judgment Enforcement business in Colorado, you have to be licensed as a collection agency to collect any consumer-related judgments. $300 investigation fee, and an annual license of $1,000, which expires the end of June. Experience as a collection agent is mandatory before they will issue a license. It helps to become a registered process server.


--->  Judgments with Debtors living in COLORADO:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




CONNECTICUT Judgment Enforcement, Connecticut Interest Rates: Pre-Judgment: 8%, Judgment: 10%.
Statute Of Limitations (Years): Open Account: 6, Written Contract: 6, verbal Contract: 3, Domestic Judgments: 20 (sometimes 25) Small Claims Judgments: 10 (sometimes 15), Foreign Judgments: 20 Bad Check Laws (Civil Penalty): Personal liability of signatory on corporate claims unless signed in corporate capacity. General Garnishment Exemptions: You may garnish 25% of disposable earnings each week, or 40 x federal minimum hourly wage, which ever is less. Similar to New York, CT requires a new trial for a summary judgment to domesticate a default judgment in this state. Collection Agency Requirements and License Requirements: Bond: $5000, License Required: Yes, if you are recovering consumer debts. No collection agency licence required for commercial debt recover. Fee: $200 and $50 annually. See Connecticut info, and our article on Connecticut Judgment Laws. Connecticut will not domesticate a default judgment without another hearing, usually for a motion for summary judgment.


--->  Judgments with Debtors living in CONNECTICUT

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




DELAWARE Judgment Enforcement, Delaware Interest Rates: Pre-Judgment and Judgment - Federal Reserve Discount Rate Plus 5%. Statute Of Limitations (Years): Sale of Goods: 4, Open Account: 4, Written Contract: 3, Domestic and Foreign Judgments: 10 years. Bad Check Laws (Civil Penalty): Amount due, cost of suit, and protest fees. General Garnishment Exemptions: 85% of disposable earnings or disposable earnings minus $127.50 weekly according to schedule. For typical civil judgments, Delaware bank accounts cannot be garnished. Collection Agency Requirements and License Requirements: Bond: No, License Required: Yes, License Fee: $50 Yearly. Delaware only charges $40 to domesticate a judgment in their state with their CF01 form, and the CF17 and CF17A documents. Delaware has an unusual (Chapter 35) law that can prevents judgment debtors from absconding to other states to avoid paying judgments. See Delaware info.

--->  Judgments with Debtors living in DELAWARE

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




DISTRICT OF COLUMBIA Judgment Enforcement, District Of Columbia Interest Rates: Pre-Judgment: 3%, Judgment: 3%, Statute Of Limitations (Years): Open Account: 3, Written Contract: 3, Domestic Judgments: 20, Foreign Judgments: Foreign Statute.
Bad Check Laws (Civil Penalty): Amount Due - and Protest Fees. General Garnishment Exemptions: See federal law, the District Of Columbia follows Federal exemptions. D.C. Government employees are not attachable. (The Feds protect their own.) Collection Agency Requirements and License Requirements: None. See DC Courts.


--->  Judgments with Debtors living in DISTRICT OF COLUMBIA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)




FLORIDA Judgment Enforcement, Florida (Debtor-Friendly State) Interest Rates: Pre-Judgment: 10%, Judgment: 6% or up to 18% if contractual. As of 2011, interest rates are adjusted quarterly, 6% up to 09/30/11. 4.75% as of 10/01/2011. See Florida Statute 55.03.
Statute Of Limitations (Years): Open Account: 4, Written Contract: 5, Domestic Judgments: 20, (7 Renewable), Foreign Judgment: 5 (if not recorded instate). Note the dual standard in this state - judgment last for 20 years, but for them to be effective as a property lien, they must be renewed within 10 years, with a certified copy of the judgment and an affidavit of addresses files with the court.
Bad Check Laws (Civil Penalty): After 30 day demand - treble amount in addition to amount owed, bank, court costs, and reasonable attorney fees. General Garnishment Exemptions: See federal law, Florida follows Federal exemption law, however wage garnishments are not allowed if the judgment debtor is a Head Of Household. Ultra debtor-friendly Homestead Exemption, and first $1,000 of automobile. If you record a judgment lien at the Florida department of state, that might protect your judgment. Collection Agency Requirements and License Requirements: Bond: Yes, $50,000 (Commercial), License Required: Yes, Fee: Yes, $250 - Registration and $200 annually. Exemption for out-of-state collectors: Registration is required for out-of-state collectors if (1) soliciting accounts; (2) if client (creditor, its affiliate or subsidiary) has an office in Florida. It costs about $433 to domesticate a Judgment to FL in most counties, sometimes just $42 in some counties if you point to local statutes. In Florida, corporations can represent themselves in Small Claims court, for matters up to $5,000. Note that in Florida, judgments have to have the words "for let execution issue" on them to be recovered. In Florida, there are small claims courts, County Court (5K to 15K), and Circuit court for anything above 15K. Another quirk on Florida is if the original judgment owner records a Department Of State (DOS) lien, the However, a DOS lien it is held by the person named on the filing, and would only be transferred with that persons approval. An assignee could and would need to request the No. 1 position lien holder to withdraw or cancel that claim and then file another new one, recreating the important No. 1 position in an assignees' favor. Florida has a one year appeal period on judgments. And recently the Florida bar, in it's infinite wisdom has the opinion that in most circumstances, a lien cannot be placed on your home for a debt that has nothing to do with the home. There are some laws in Florida that contingency judgment recovery requires an attorney. Florida is generally hostile to JEs enforcing on a contingency basis. See Florida info.


--->  Judgments with Debtors living in FLORIDA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)




GEORGIA Judgment Enforcement, Georgia Interest Rates: Pre-Judgment: 7%, Judgment: 3% or Prime Rate plus 3% unless a contract specified more. (Before 7-1-2003, they earned 12%), Commercial Accounts: 18%. Statute Of Limitations (Years): Open Account: 4, Written Contract: 6, Domestic Judgments: 7 (GA Judgments good for 7 years, then they go dormant - you need to revive them within 3 years or they are dead.), Foreign Judgments: 5. Bad Check Laws (Civil Penalty): After 10 day written demand double damages up to $500 and service charge of $20 or 5%, whichever is greater. General Garnishment Exemptions: Cash $150, household goods $400, clothes $150, Levying autos - debtor exemptions up to $3,500 plus $600, not worth it unless car is owned outright by debtor, Trucks are $6,050. City, County and State employees may be garnished - woo hoo. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No.
To examine a debtor, you are not permitted to go straight to an examination hearing. You must first have the court clerk send your debtor interrogatories (written questions) by certified mail. If your debtor fails to answer (file a response to the examination questions) within thirty days, you then file a motion to get a hearing to require an answer to the interrogatories form. See Georgia info. The lunatics have taken over the asylum - and recently the GA supreme court ruled that companies in GA must retain a lawyer to answer garnishment orders, otherwise they are risking being charged with UPL. See our article on Georgia Judgment Enforcement. In Georgia, the bank cannot answer a garnishment for 30 days but must answer within 45 days. (If an account is not found, they usually wait 30 days to tell you.) In Georgia, levy money goes from the bank to the court. In Georgia, a FiFi is a judgment. One Fifa for the principle amount owed and perhaps another for attorney's fees. A garnishment gets it's own case number as it is a separate civil action.


--->  Judgments with Debtors living in GEORGIA:

SMALL CLAIMS, MAGISTRATE Court in HOUSTON county, GEORGIA, Judgment Date: 2011, Base J Amount approx: $1,194, plus 4.00% interest. Judgment value now is approx $1,374.86.
Debtor in Kathleen - Houston county, Georgia. Judgment assigned to enforcer out of business, phone and email bounces. Female debtor (DOB 1969) does not share SSN, several AKAs, lives in a house (fairly stable) seems to own half a house, BK 13 once in 2006, one other $564 judgment, no crime, business leads, - JB Ref# 949     (Back or Home)




HAWAII Judgment Enforcement, Hawaii Interest Rates: Pre-Judgment: 10%, Judgment: 10%. Statute Of Limitations (Years): Sale of Goods: 6, Open Account: 6, Written Contract: 6, Domestic Judgments: 10. Foreign Judgment: 6 for first registration (10 for future registrations). Bad Check Laws (Civil Penalty): Damages equal to $100 or triple amount of check, not to exceed $500. General Garnishment Exemptions: 95% of 1st $100, 90% of 2nd $100, 80% net wages in excess of $200 per month - or federal limits, whichever is greater. Collection Agency Requirements and License Requirements: Bond: $25,000 and $15,000 each office, License Required: Registration with "DCCA" required for consumer, not commercial, collections Fee: About $250 to start, then about $100 a year. And Assignees Of Record cannot domesticate judgments into this state! To examine a debtor you would file an ex parte motion for an examination of your judgment debtor. The same form also works for examining a third person who holds money or property belonging to your debtor. See Hawaii info.

--->  Judgments with Debtors living in HAWAII:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




IDAHO Judgment Enforcement, Idaho (Community Property State) Interest Rates: Pre-Judgment: 12%, Judgment: 10.875% plus the base rate.
Statute Of Limitations (Years): Open Account or verbal Contract: 4, Written Contract: 5, Domestic Judgments: 5 (renewable), Foreign Judgments: 6 (renewable). Bad Check Laws (Civil Penalty): Triple amount of check up to $500 over the check amount. General Garnishment Exemptions: See federal law. Collection Agency Requirements and License Requirements: Bond: $5,000 initial, License Required: Yes, Fee: $150 - then $50 a year. Exemption for out-of-state collectors: Out-of-state collectors may qualify for a special license if (1) only collecting for client; and (2) are licensed and bonded by any state. To recover judgments in Idaho, you should be a licensed as collection agency. It costs only $7 to domesticate a judgment to Idaho. See Idaho info.


--->  Judgments with Debtors living in IDAHO:

CIVIL, SUPERIOR Court in KING county, WASHINGTON, Judgment Date: 2014, Base J Amount approx: $40,599, plus 12.125% interest. Judgment value now is approx $87,916.21.
Debtor in Kuna - Ada county, Idaho. 10 plaintiff Washington default judgment against 2 companies and 2 individuals. Company debtor 1 is an going Idaho company, will need to be domesticated to Idaho. Company was sued as an Inc, might now be a LLC, might need affidavit of identity. Company in good standing, easily found on a google search with good reviews, has three other judgments, $1K state tax lien, $1.7K, $20K. Has one UCC from an insider at the company, a sign of possible shenanigans. Debtor 1 male (DOB 1967) same last name as company, does not share SSN, minimal AKAs, seems to own 2 condos in Boise, ID. BK 7 once in 1999, before cause of action. No other judgments, one UCC from a family member, a sign of possible shenanigans, no crime, might be president of company 1 and shares address with company 1's registered address. Debtor 2 Male - might be deceased. Washington Company 2 seems to be active, a painting company in Washington, easily found with google search. One $2.8K state tax lien. JB Ref# 2800

CIVIL, SUPERIOR Court in KING county, WASHINGTON, Judgment Date: 2014, Base J Amount approx: $35,736, plus 12.125% interest. Judgment value now is approx $48,839.31.
Debtor in Kuna - Ada county, Idaho. 15 plaintiff Washington default judgment against going Idaho company, will need to be domesticated to Idaho. Company was sued as an Inc, might now be a LLC, might need affidavit of identity. Company in good standing, easily found on a google search with good reviews, has three other judgments, $1K state tax lien, $1.7K, $20K. Has one UCC from an insider at the company, a sign of possible shenanigans, JB Ref# 2799     (Back or Home)




ILLINOIS Judgment Enforcement, Illinois Interest Rates: Pre-Judgment: 5%, Judgment: 9%. Statute Of Limitations (Years): Sales (UCC): 4, Open Account: 5, Written Contract: 10, Domestic Judgments: 20 - can be renewed during that 20-year period. Must be "revived" every 7 years. Foreign Judgment: Same as foreign jurisdiction. Bad Check Laws (Civil Penalty): Triple check amount up to $500, attorney fees and court costs. General Garnishment Exemptions: 15% of gross wages or disposable earnings for workweek up to 45x federal minimum hourly wage, whichever is greater. Collection Agency Requirements and License Requirements: Bond: $25,000, License Required: Yes, Fee: $750 - and $750 a year. Exemption for out-of-state collectors: Out-of-state collectors may be exempt if (1) not soliciting accounts in Illinois; (2) their state of residence has laws which provide similar reciprocity (allow out-of-state agencies to collect only); and (3) the state in which the non-Illinois agency resides extends the same privileges to out-of-state agencies. Right to assign judgments is Statute 735 ILCS 5/12-144 See Illinois info. As of July 1, 2013, anyone collecting consumer-based judgments or debts in the city of Chicago must obtain a regulated business license. Article 4-6-160 will take effect on July 1, 2013, and requires collectors to comply with the FDCPA, the Illinois Collection Agency Act, and the Illinois Consumer Fraud and Deceptive Practices Act. It imposes penalties ranging from $250 to $5000 for each violation of any part of the statute or any rule or regulation that the statute promulgates. It also imposes a 4 year ban on reapplication if the license is revoked for any reason. Isn't progress wonderful? A successful garnishment renews the judgment. In Illinois, the employer or bank mails checks directly to the creditor.

--->  Judgments with Debtors living in ILLINOIS:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy. v     (Back or Home)




INDIANA Judgment Enforcement, Indiana Interest Rates: Pre-Judgment: 8%, Judgment: 8%. Statute Of Limitations (Years): Open Account: 6, Written Contract for payment of money (executed before 9/l/82): 10, (executed after 8/31/82): 6. Written Contract (other than payment of money): 10, Written Contract for sale of goods: 4, Domestic Judgment: 20, but goes dormant and must be revived after 10 years to be enforced, and after 10 years cannot be used to secure a lien on property. Foreign Judgment: 10. Bad Check Laws (Civil Penalty): Triple check amount up to $500 over check amount, and attorney fees and interest up to 18% per year or triple check amount and attorney fees and interest at 8% per an year General Garnishment Exemptions: 75% of disposable earnings for work week or the amount of 30x fed. minimum hourly wage, whichever is greater. Collection Agency Requirements and License Requirements: Bond: $5,000 each office, License Required: Yes, Fee: $100 plus $5 per year, for each unlicensed employee and $30 branch office $80 - annual Renewal. Exemption for out-of-state collectors: Out-of-state collectors are exempt from licensing if (1) collecting for a nonresident creditor; and (2) collection activities limited to interstate communications (phone, fax, mail). The local judges in Adams, Allen, Boone, Hamilton, and Marion counties do not let small claims cases get assigned to a judgment enforcer. In Indiana, when you domesticate a judgment into this state, they docket it, and create their own case number, but they do not send you a copy of anything on paper. See Indiana info.

--->  Judgments with Debtors living in INDIANA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




IOWA Judgment Enforcement, Iowa Interest Rates: Pre-Judgment: 5%, Judgment: 2.35% to 10%, depending on year. Statute Of Limitations (Years): Open Account: 5, Written Contract: 10, Domestic Judgments: 20 (can be renewed in the 9th year), Foreign Judgment: 20 (can be renewed in the 9th year). Bad Check Laws (Civil Penalty): Triple check up to $500 over check amount. General Garnishment Exemptions: See federal law. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No. The Iowa Bar Association says judgments must be purchased for cash up-front. The judges in Johnson county are hostile to non-lawyer judgment enforcers. A successful garnishment renews the judgment. In this state, bank levies last for 29 days, capturing all money coming into the account for 29 days! See Iowa info.

--->  Judgments with Debtors living in IOWA

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




KANSAS Judgment Enforcement, Kansas Interest Rates: Pre-Judgment: 10%, Judgment: 12%. Statute Of Limitations (Years): Open Account: 3, Written Contract: 5, Domestic Judgments: 5 renewable, Foreign Judgment: 5 renewable. Bad Check Laws (Civil Penalty): Three times check amount - not exceeding the check amount by $500 or $100 whichever is greater, plus attorney fees. General Garnishment Exemptions: See federal law. Creditors cannot garnish the same debtor more often than once every 30 days. There are other personal property, benefit, and homestead exemptions. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No. Kansas is hostile to mortal (non-lawyer) judgment enforcers. Kansas considers bank levies different than a wage garnishment. Wage and bank garnishments generally not allowed by Assignees of record, but are allowed by collection agencies and lawyers. Only lawyers can domesticate judgments in this state, cost $180 plus lawyer's fees to domesticate to this state. Any garnishment attempt renews the judgment. In Kansas, the employer or bank mails checks directly to the creditor. KSA 60-3002: Filing and status of foreign judgments. A copy of any foreign judgment authenticated in accordance with the act of congress, the statutes of this state or certified in accordance with the statutes of the state in which the judgment was rendered, may be filed in the office of the clerk of any district court of this state. Such copy must be filed by an attorney licensed to practice law in the state of Kansas. The clerk of the district court shall treat the foreign judgment in the same manner as a judgment of the district court of this state. A judgment filed as provided by this section has the same effect and is subject to the same procedures, defenses and proceedings as a judgment of a district court of this state and may be enforced or satisfied in like manner. KSA 60-3001: Foreign judgment, defined. As used in this act: (a) "Foreign judgment" means any judgment, decree or order of a court of the United States or of any other court which is entitled to full faith and credit in this state, except that no judgment of any court in this state shall be a foreign judgment in any other court of this state; and (b) "state" means a state of the United States. See Kansas info.

--->  Judgments with Debtors living in KANSAS:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




KENTUCKY Judgment Enforcement, Kentucky Interest Rates: Pre-Judgment: 8%, Judgment: 12%. Kentucky has annually compounded interest rates. Statute Of Limitations (Years): Open Account or verbal contract: 5, Written Contract: 15, Domestic Judgments: 15, Foreign Judgment: 15. Bad Check Laws (Civil Penalty): N/A. General Garnishment Exemptions: 75% of disposable income or 30 times the federal minimum hourly wage (whichever is greater) Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No. This state is JE friendly.
In Kentucky, it is easy to domesticate judgments. To examine a debtor, you are required to send your debtor written interrogatories. (Refer to a practice guide for sample interrogatories.) Your debtor then has thirty days to answer. If he or she fails to do so, you have to file a post-judgment motion/order requiring him or her to answer your interrogatories. See Kentucky info. This PDF describes KY assignment of rights: www.lrc.ky.gov/Statutes/statute.aspx?id=33260 Check the codes in it. A judgment is an asset. This PDF is an assignment of rights (concerning child support) from a parent to the state in KY. www.warrencountyattorney.com/PDFS/CS140AssignofRightsAuthToCollectSupport.pdf. For an assignment of rights to a membership interest in an LLC in KY, see 13.1-1039. Assignment of interest. "A. Unless otherwise provided in the articles of organization or an operating agreement, a membership interest in a limited liability company is assignable in whole or in part. An assignment of an interest in a limited liability company does not of itself dissolve the limited liability company. An Except as provided in subsection A of 13.1-1040, anassignment does not entitle the assignee to participate in the management and affairs of the limited liability company or to become or to exercise any rights of a member. Such Unless otherwise provided in the articles of organization or an operating agreement, such an assignment entitles the assignee to receive, to the extent assigned, only any share of profits and losses and distributions to which the assignor would be entitled."


--->  Judgments with Debtors living in KENTUCKY:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




LOUISIANA Judgment Enforcement, Louisiana (Community Property State) Interest Rates: Pre-Judgment or Judgment: 9.75%.
Statute Of Limitations (Years): Open Account: 3, Written Contract: 10, Promissory Notes: 5, Domestic Judgments: 10, Foreign Judgment: 10. Bad Check Laws (Civil Penalty): After 30 day written demand (certified or registered), twice check amount plus Attorney fees and court costs. General Garnishment Exemptions: 75% disposable earnings per work week, but not less than 30x federal minimum hourly wage. Collection Agency Requirements and License Requirements: Bond: Yes, $10,000, License Required: Yes, Fee: $400 plus $100 per branch, plus renewal fees. Louisiana uses Napoleonic law. See Louisiana info.


--->  Judgments with Debtors living in LOUISIANA:

CIVIL, CITY Court in LIVINGSTON county, LOUSIANA, Judgment Date: 2014, Base J Amount approx: $3,486, plus 9.750% interest. Judgment value now is approx $3,598.05.
Debtor in Denham Springs - Livingston county, Lousiana. Non-default Judgment against female debtor (DOB 1986) does not share SSN, one last name AKA, lives in house she owns with husband, stable, never BK, no other judgments or liens, minor crime in past. Bank account known, JB Ref# 2798     (Back or Home)




MAINE Judgment Enforcement, Maine Interest Rates: Pre-Judgment: 8%, Post Judgment: 15%, (less than $30,000), Treasury Bill rate over $30,000.
Statute Of Limitations (Years): Open Account: 6, Written Contract: 6 + 20 (with attestment), Domestic Judgments: 20, Foreign Judgment: 20.
Bad Check Laws (Civil Penalty): Amount due, court costs, service and collection costs. General Garnishment Exemptions: 75% of disposable income or 40 times the federal minimum wages per week (whichever is less). Collection Agency Requirements and License Requirements: Bond: $25,000 to $50,000, License Required: Yes, Fee: $400 Yearly. Exemption for out-of-state collectors: Contact state authority. Licensing authority is allowing some exemptions to out-of-state agencies that collect for nonresident creditors and are not soliciting.
To examine a debtor, a judge will be present to oversee your examination and both parties may subpoena witnesses. After you complete your examination, the judge will make a decision about how your debtor should pay you and when. In some states, like Maine, you do not have to go through the bench letter step. If your debtor does not show up to your first scheduled hearing, you complete an affidavit and request for a civil order for arrest. You have to pay a fee and the sheriff will go out and pick up your debtor and bring him or her to court. See Maine info. For Maine judgment enforcers, it helps to become a registered process server to qualify for some database companies. You might need to get a fictitious business name that includes the words process server, see: www.pfiserves.com/rules/maine.htm.

--->  Judgments with Debtors living in MAINE:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)




MARYLAND Judgment Enforcement, Maryland Interest Rates: Pre-Judgment: 6%, Judgment: 10% or contractual. Statute Of Limitations (Years): Open Account: 3, UCC: 4, Specialty: 12 (contract under seal), Written Contract: 3, Domestic Judgments: 12, Foreign Judgments: 12. Bad Check Laws (Civil Penalty): After 30 day written notice, amount due, $25 fee, twice check amount up to $1000. (At the discretion of the court.) Applies to COD sales only. General Garnishment Exemptions: Greater of 75% or amount equal to $145x number of weeks in which wages due were earned; except in Caroline, Worchester, Kent and Queen Anne's Counties - see federal law. Exemption is up to $3,000 in cash and/or property for non-wage property exemption. Collection Agency Requirements and License Requirements: Bond: $5000, License Required: Yes, Fee: $200 each office. Update in 2012, to enforce judgments in Maryland if you not a lawyer, one should probably be licensed as a collection agency, especially when it comes to consumer debts such as credit cards, car payments, etc. See BR 7-101(c). See Maryland info. The Maryland courts pretend PDFs do not exist, and say they can't put judgments online because it's difficult. Wow, have they ever heard about a Fujitsu SnapScan? To domesticate a judgment into Maryland, a certified (authenticated) copy of the foreign judgment will be needed, see Annotated Code of Maryland 11-802(a).

--->  Judgments with Debtors living in MARYLAND:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




MASSACHUSETTS Judgment Enforcement, Massachusetts Interest Rates: Pre-Judgment: 6%, Judgment: 12%, Contract: 12%.
Statute Of Limitations (Years): Open Account on Contract: 6, Contract: 6, Sales (UCC) Contract: 4, Domestic Judgment: 20 (presumed satisfied after 20 years), Foreign Judgment: 20, Contracts Under Seal: 20. Bad Check Laws (Civil Penalty): Amount due, costs of suit, protest fees and additional damages $100 - $500 can be assessed. General Garnishment Exemptions: $125 per week. Collection Agency Requirements and License Requirements: Bond: $10,000 - $25,000, License Required: Yes, Fee: Determined by commissioner. You must be a collection agency to enforce judgments in MA as of 2010. Most enforcers use lawyers now to recover judgments in this state. As a matter of fact, in any state that requires a collections licence, it is a good idea to get one if you are recovering other people's judgments. See Massachusetts info, and our article on Massachusetts Judgment Enforcement.


--->  Judgments with Debtors living in MASSACHUSETTS:

TRIAL, HOUSING Court in PLYMOUTH county, MASSACHUSETTS, Judgment Date: 2013, Base J Amount approx: $1,005, plus 12.00% interest. Judgment value now is approx $1,060.99.
Debtor in Brockton - Plymouth county, Massachusetts. Unlawful detainer judgment against female (DOB 1979) does not share SSN, very minor AKAs, likes to use a PO box, lives in APT, no other judgment or liens, no crime, never BK. Employer known. OJC wants cash upfront offer only but has smelled the coffee - and knows it will not be for too much. Also, OJC knows of another judgment against same debtor for $1,300, that can be bought too, - JB Ref# 2710     (Back or Home)




MICHIGAN Judgment Enforcement, Michigan Interest Rates: Pre-Judgment: 5%, Judgment: about 4% - changes semiannually, Usury limit 25%. Statute Of Limitations (Years): Open Account: 6, Written Contract: 6, Sales (UCC) Contract: 4, Domestic Judgments: 10 renewable, Foreign Judgments: 10. Bad Check Laws (Civil Penalty): Twice the amount of check- not to exceed $500. Retail Claims - Notice Requirements. General Garnishment Exemptions: See federal law. Collection Agency Requirements and License Requirements: (Retail Only) Bond: $5,000 - $50,000, License Required: Yes, Fee: About $500 and $125 Annually. Exemption for out-of-state collectors: Out-of-state collector are exempt if (1) collecting by interstate means; and (2) have no clients in the state of Michigan. Note that Michigan is not JE-friendly, in Michigan, small claims judgments cannot be assigned. Update on Saturday, September 24, 2011 - reports are in that MI courts are open again to JEs, however - small claims cases still cannot be assigned. See Michigan info.

--->  Judgments with Debtors living in MICHIGAN:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




MINNESOTA Judgment Enforcement, Minnesota Interest Rates: Pre-Judgment: 6%, Judgment: 5% (Changes Yearly), Business or Agricultural Loan: 4.5% over federal discount rate. Statute Of Limitations (Years): Goods Sold and Delivered (UCC): 4, Open Account: 6, Written Contract: 6, Transportation Service: 3, Domestic Judgments: 10, Foreign Judgment: 10. Bad Check Laws (Civil Penalty): $100 or up to 100% of the value of the check, whichever is greater, plus interest at the rate payable on judgments on the face amount of check, plus reasonable attorney fees if aggregate amount of checks within 6 month period is over $1,250. General Garnishment Exemptions: Greater of 75% or amount equal to 40x federal minimum hourly wage. Collection Agency Requirements and License Requirements: Bond: $5,000 to $20,000, License Required: Yes, Fee: About $1,500 plus $10 per Collector. The Minnesota Department of Commerce says that you must either buy judgments for cash up front or be a licensed as collection agency. However, many JEs operate without a collection agency License. See Minnesota info.

--->  Judgments with Debtors living in MINNESOTA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)




MISSISSIPPI Judgment Enforcement, Mississippi Interest Rates: Pre-Judgment: 8%, Judgment: amount in contract - if no contract amount then court decides.
Statute Of Limitations (Years): Open Account: 3, Written Contract: 3, UCC: 6, Domestic Judgments: 7, Foreign Judgment: 7 (3 if resident). Bad Check Laws (Civil Penalty): On checks up to and including $25.00, additional damages would be 100% of check amount. On checks from $25.01 to $200.00, additional damages would be 50% of check amount but not less than $25.00. On checks over $200.00 additional damages would be 25% of check amount. General Garnishment Exemptions: See federal law. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, except you need a City-Business Fee: $15-$50. See Mississippi info.


--->  Judgments with Debtors living in MISSISSIPPI:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




MISSOURI Judgment Enforcement, Missouri Interest Rates: Pre-Judgment: 9%, Judgment: 9%. Statute Of Limitations (Years): Sale of Goods: 4, Open Account: 5, Written Contract: 10, Domestic Judgments: 10 (Revived every 3 years), Foreign Judgments: 10 (Revived every 3 years, or upon any successful garnishment action). Bad Check Laws (Civil Penalty): Three times face amount owed or $100 whichever is greater not to exceed $500 (exclusive of attorney fees). General Garnishment Exemptions: See federal law. Exempt is 90% of week's net pay, for a head of household, a single person without dependents = 75%. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No. Note - Small Claims judgments (3K and less) in most counties in this state cannot be assigned, because they are not "courts of record" - except perhaps in Saint Louis and Saint Charles counties. This might be raised to 5K soon. Regular civil Judgments - there is no problem assigning them. This state has no form for a memorandum of costs, you add them at time of garnishment. See Missouri info. Rumor has it that debtors can "plead the 5th" during a debtor exam in this state. Debtor exams are covered by rule 57.09. See http://www.courts.mo.gov/hosted/circuit13/forms/GENERAL_SubpoenaForms.pdf.

We guess MO is becoming a debtor-friendly state. A long time ago property liens only lasted 24 months here, so people renewed judgments every 2 years, no need to renew every 2 years any more, but it keeps the interest compounded. In this state, bank levies last for 30 days, capturing all money coming into the account for 30 days! A successful garnishment renews the judgment. Small claims judgments cannot be used to create a real estate lien in this state. A joint checking account cannot be touched unless the divorce is final or they are not married. By law, small claims judgment are not assignable because small claims courts are not a "court of record". To get around this, enforcers and creditors can usually take their small claims court judgments (an original copy with a raised seal) and (if applicable) the assignment signed and notarized, to the Associate/Circuit Court Clerk, District court, or Justice of the Peace court. If they ask why you are there, tell them that you intend to lien real property and cannot do that with a small claims judgment. There is small fee to pay to lodge the judgment into circuit court, and this usually solves the small claims assignment problem. Yet generally, MO is good for judgment enforcers. Once a debtor examination is scheduled, 3rd-parties such as banks, utility companies, etc. 3rd parties do not need to show up in court, if they send the subpoenaed information as requested. No collection licence needed in MO. In Missouri, a substitution of attorney (form CV 140) is not required to assign a judgment. In Missouri, the employer or bank will soon be able to mail checks directly to the creditor.


--->  Judgments with Debtors living in MISSOURI:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




MONTANA Judgment Enforcement, Montana Interest Rates: Pre-Judgment: 10%, Judgment: 10%, A binding written agreement may provide for interest of 15% or 6% above prime. Statute Of Limitations (Years): Open Account: 5, Written Contract: 8, Domestic Judgments: 6 (over $5,000) Renewable, Foreign Judgment: 6 Renewable. Bad Check Laws (Civil Penalty): $100 minimum or 3 times face value up to $500. General Garnishment Exemptions: See federal law. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No. Montana is generally good for judgment enforcers for bank and job levies. However, the Sheriff departments in Montana cannot handle levies due to being understaffed, so hire your own process server (levy officer). Note in Montana the ambiguous laws in certain counties, that seem to allow levied property such as vehicles to be stored at the creditor's choice of a storage facility and sold, by hiring their own levy officer - without any Sheriff auction. The creditor needs a writ specifying the property to describe what was going to be levied. They also need a notarized statement of the amount due, and a certified copy of the judgment. If a vehicle is being levied, the writ is shown to the DMV, and the DMV issues a new title on the name of the buyer. Personal property exemption of $3K. Note: Foreign corporations should register with MT Secretary of State prior to any suit in MT Courts or risk dismissal. A successful garnishment automatically renews the judgment for 10 years, but interest does not compound upon this renewal. Attorney fees only if provided by a signed written agreement. There is very little case law in Montana about domesticating judgments in this state, usually a brief and a hearing is required and most judges will allow it. A pre-judgment attachment, which requires posting a bond in case you do not prevail, is covered by Montana Code Ann 27-18-301. See these links: If you are going to recover judgments in Montana, visit the court and ask the clerks for copies of their garnishment forms, instructions, and their fee schedule. Building positive relationships at the courthouse is usually a good idea. Locate and purchase the "Rules & Procedures" or "Justice Court Handbook" or "Benchbook" There is probably one for the District courts, and one for the Justice courts. In Montana, every county's court rules are different.

In Montana, there is nothing at wrong with contacting the HR department to confirm receipt, compliance, etc. MO garns are good for 1,3 or 6 months - your choice, same price. But the directions say to remit captured funds to the court within ten days of the return date. That means the employer can send the whole enchilada in at once after six months of withholding, but some employers prefer to remit a small amount each payday rather than play banker for the state court system. If you have one garnishment out, six months can seem lengthy and awkward to find out whether you even hit paydirt. However that is how it works in Montana.

In Montana, debtor examinations are almost always a waste of time and money. They debtor can plead the fifth Amendment, and the judges will not intervene, they even if the debtor fails to show, the judges will not issue an arrest warrant.

--->  Judgments with Debtors living in MONTANA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)




NEBRASKA Judgment Enforcement, Nebraska Interest Rates: Pre-Judgment: 12% per written instrument or contract rate, Judgment: 1% above bond equivalent yield as published by U.S. Treasury. Statute Of Limitations (Years): Open Account: 4, Written Contract: 5, Domestic Judgments: 5 renewable every 5, Foreign Judgment: 5 nonrenewable. Bad Check Laws (Civil Penalty): Amount due, costs, protest fees. General Garnishment Exemptions: Greater of 75% disposable earnings (85% if head of household), or 30x fed. minimum hourly wage. Collection Agency Requirements and License Requirements: Bond: Based on Licensed collectors - Less Than 5 = 5,000, 5-15 = $10,000, 16-Up = $15,000, License Required: Yes, Fee: (not to exceed) $250. Original Branch Office Exemption for out-of-state collectors: Out-of-state collectors are exempt if (1) communicating by interstate means (phone, fax, mail); and (2) are "regulated" by the laws of another state. See Nebraska info.

--->  Judgments with Debtors living in NEBRASKA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)




NEVADA Judgment Enforcement, Nevada (Community Property State) Interest Rates: Judgment: 2% Over Prime. About 5.25% or so now.
Statute Of Limitations (Years): Open Account: 4, Written Contract: 6, Lease: 4, Domestic Judgments: 6, Foreign Judgment: 6.
Bad Check Laws (Civil Penalty): Amount due, protest fees three times check amount - not more than $500, or less than $100. General Garnishment Exemptions: Garnishment limited to 75% of Disposable earnings for each week or 30 times federal minimum hourly wage (whichever is less). Collection Agency Requirements and License Requirements: Bond: $25,000 to $50,000, License Required: Yes, Fee: $550 - and $200 annually. In Clark County - Electronic Filing is now mandatory (if you are a lawyer). The Bar Association of Nevada says to recover judgments, you should be a licensed as collection agency or be a lawyer. Very hostile to pro-pers. In Nevada, judgment interest accrues as the date of the complaint, not the day of the Judgment! (NRS 21.300, NRS 21.310, NRS 17.120)

To domesticate a judgment to Nevada, see NRS 17.350. First get an 'exemplified' judgment from the original court. You then file an Application for Foreign Judgment and pay the $270 filing fee. After the AFJ has been accepted and you've been assigned a case number, you file the Affidavit of Judgment Creditor in Support of the AFJ. Once that's been accepted, you do a Notice of AFJ and file it. Once that's been accepted, you serve all of these to the last known address(es) of the Judgment Debtor by certified mail, and wait for 33 days. After 33 days, you file an affidavit of service, swearing that the debtor was served at their address. Then you can then record the judgment and/or start obtaining writs. Nevada has Justice courts for small claims, and District courts for larger cases, and a municipal court system that overlaps those. Writs only last 120 days in Nevada. No assignment orders allowed in Nevada. In Nevada, a DBA is called a Fictitious Firm Name (FFN). See Nevada info. In some states, for example Nevada, if the judgment debtor is aware of the judgment and sits on their rights, and does not act expeditiously to defend, they are stuck with the judgment. See Rule 60 for NV. "...The motion shall be made within a reasonable time, and for reasons (1), (2), and (3) not more than 6 months after the proceeding was taken or the date that written notice of entry of the judgment or order was served. A motion under this subdivision (b) does not affect the finality of a judgment or suspend its operation." See this: Nevada Law.



All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




NEW HAMPSHIRE Judgment Enforcement, New Hampshire Interest Rates: Judgment: Was 7.9% in 2001, moves down every year, is 2% in 2012. Statute Of Limitations (Years): Open Account: 3, For Goods or Written: 4, Domestic Judgment: 20, Foreign Judgments: 20. Bad Check Laws (Civil Penalty): Amount due, interest, court costs, reasonable costs of collection and $10 per day (max. $50). General Garnishment Exemptions: 50x federal minimum hourly wage - "All future wages are exempt so that the court cannot issue an ongoing order." Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No. Note the first $8,000 on bank accounts are exempt in this state! See New Hampshire info.

--->  Judgments with Debtors living in NEW HAMPSHIRE:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




NEW JERSEY Judgment Enforcement, New Jersey Interest Rates: Pre-Judgment: 6%, Judgment: Up to the court. Rates are normally set each year at such a rate and if the award amount is more than what the special civil part maximum (currently $15k) you add 2 percent (instead of the current 1.5% it would be 3.5%). Unless it was on contract and ordered so by the judge it could bear interest up to 30% (depending upon the contract's rate). In 2008, it was 5.5% 2009 it was 4.0 % As of Jan 1, 2011, the interest rate will be 0.5%, or 2.5% if past the special civil limit. Statute Of Limitations (Years): Open Account: 6, Sale of Goods: 4, Written Contract: 6, Domestic Judgments: 20, Foreign Judgment: 20. New Jersey judgments can be renewed once, as per New Jersey Statutes, Section 2A:14-5. Bad Check Laws (Civil Penalty): N/A. General Garnishment Exemptions: 10% gross, 25% of disposal earnings, whichever is less, but no execution on gross wages of $154.50 or less per week Collection Agency Requirements and License Requirements: Bond: $5000 Surety, License Required: No, Fee: No. The Bar Association of New Jersey says judgments must be purchased for cash up-front. There are some laws in New Jersey that contingency judgment recovery requires an attorney. To domesticate a foreign judgment, am exemplified copy of the original judgment is needed. Judgments are not state-wide liens until they are recorded in the Trenton superior court.

To examine a debtor, you need to first send your debtor an information subpoena, which is a form of interrogatories that he or she has twenty-one days to answer. You have to have someone serve him or her by personal service or by certified mail. If your debtor does not respond, you may then ask the court for permission to send interrogatories to a third party who may owe your defendant money or possess anything of value owned by your defendant.
In New Jersey the equivalent called the Order For Discovery. It is the title of the order that directs the JD to report on a date/time for deposition and in possession of requested records. The actual judgment debtor examination is simply a (civil) deposition. See New Jersey info PDF, and our article on New Jersey Judgment Enforcement.


--->  Judgments with Debtors living in NEW JERSEY

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




NEW MEXICO Judgment Enforcement, New Mexico (Community Property State) Interest Rates: Judgment: 8.75% (in the absence of a written contract)
Statute Of Limitations (Years): Open Account: 4, Written Contract: 6, Domestic Judgments: 14, Foreign Judgments: 14.
Bad Check Laws (Civil Penalty): Amount due, triple damages up to $500 per check. Complex requirements need to be met. General Garnishment Exemptions: Greater of 75% - or amount each week equal to 40x federal minimum hourly wage. Child support can be up to 50% and outranks other levies. Collection Agency Requirements and License Requirements: Bond: $5,000 minimum - based on volume, License Required: Yes, Fee: $500 and up. Exemption for out-of-state collectors: Out-of-state agency is exempt if (1) collecting by interstate means (phone, fax, mail); and (2) debt was incurred outside the state of New Mexico. Homestead exemption is 60K, 120 for a married couple. (Newer: To enforce judgments you own [especially outright cash up front sales], you do not have to be a collection agency.) NM is an "open" state, meaning mortals (non lawyers) can domesticate judgments to NM. And if you do not do business at all in that state, you can recover judgments without any issues, go figure. See New Mexico info.


--->  Judgments with Debtors living in NEW MEXICO:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




NEW YORK Judgment Enforcement, New York Interest Rates: Pre-Judgment: Max 16%, Judgment: 9%. Statute Of Limitations (Years): Open Account: 6, Written Contract: 6, Domestic Judgments: 20 (liens last for 10 years and are renewable ), Foreign Judgment: 20 (liens last for 10 years and are renewable ). Bad Check Laws (Civil Penalty): Face value of check plus two times check amount up to a maximum of $400 on NSF or $750 on "no account" (Demand prescribed by law). GEN.OB.1.1-104. General Garnishment Exemptions: 90% of earnings, and 1st $127.50 week wholly exempt. Child support or alimony can levy up to 25%. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No - BUT Counties can have their own rules and fees. In Boroughs county, you must be licensed as a collection agency to recover judgments.
Note it's not simple or cheap to domesticate default judgments to NY. It does not matter how good the proof of service is, in NY, you must file a new lawsuit to domesticate a default state judgment in NY - shame on NY. (Federal judgments do not require a new hearing.) Also - the debtor's first $1,760 is exempt. Direct Deposit accounts - $2,500 is exempt! Look for employment in NY. If the creditor used a lawyer, most courts in NY require the creditor to release the lawyer, before the judgment can assigned. High exemption for vehicles - $4,000, sheriff fees $1,000 plus storage you won't make any money if the auto sells for less that $5,000. 55K homestead exemption. NY is a state that requires a Substitution of attorney even on cold, done, final judgments. ( NY CPV Code 1021) In New York, unlike most states, an assignment of judgment must be noticed to the judgment debtor. Suffolk and Nassau counties both require transcripts of judgments before the Sheriff will enforce a judgment. Assignment orders in NY fall under law N.Y. CVP. Law 5225. See New Mexico info.

In NY the levy is valid if it is served on any person who can receive service of summons for the company. Check and see if that is possible with the "registered" outfit. See NY Code 5232. New York will not domesticate a default judgment without another hearing, usually for a motion for summary judgment.

Assignment orders are cited that way in any state, but is shorthand for the court order assigning certain rights to payment to the creditor. Assignment orders in N.Y. are permitted by CVP. LAW 5225:

(b) Property not in the possession of judgment debtor. Upon a special proceeding commenced by the judgment creditor, against a person in possession or custody of money or other personal property in which the judgment debtor has an interest, or against a person who is a transferee of money or other personal property from the judgment debtor, where it is shown that the judgment debtor is entitled to the possession of such property or that the judgment creditor's rights to the property are superior to those of the transferee, the court shall require such person to pay the money, or so much of it as is sufficient to satisfy the judgment, to the judgment creditor and, if the amount to be so paid is insufficient to satisfy the judgment, to deliver any other personal property, or so much of it as is of sufficient value to satisfy the judgment, to a designated sheriff. Costs of the proceeding shall not be awarded against a person who did not dispute the judgment debtor's interest or right to possession. Notice of the proceeding shall also be served upon the judgment debtor in the same manner as a summons or by registered or certified mail, return receipt requested. The court may permit the judgment debtor to intervene in the proceeding. The court may permit any adverse claimant to intervene in the proceeding and may determine his rights in accordance with section 5239.
(c) Documents to effect payment or delivery. The court may order any person to execute and deliver any document necessary to effect payment or delivery.
In NY, there is no such thing as an affidavit of identity, to correct a debtor's name on a judgment, you would use sections 5320 and 5019, changes must be done via a court order with a noticed motion.


--->  Judgments with Debtors living in NEW YORK:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




NORTH CAROLINA Judgment Enforcement, North Carolina Interest Rates: Pre-Judgment: 8%, Judgment: 8%.
Statute Of Limitations (Years): Open Account: 3, Sale of Goods: 4, Written Contract: 3, Domestic Judgments: 10, Foreign Judgment: 10.
North Carolina law allows a judgment creditor to try to collect on its judgment for ten years; in addition, creditors holding judgments can petition the court which entered the judgment to renew the judgment before the initial ten years expires. As long as the judgment creditor keeps up with the renewal process, the judgment can be renewed indefinitely until the judgment is paid.
Bad Check Laws (Civil Penalty): 30 day written demand lesser of $500 or 3x check amount, but not less than $100. General Garnishment Exemptions: Garnishment of wages are off limits except for political subdivisions, to repay taxes, child support, ambulance fees, etc. Collection Agency Requirements and License Requirements: Bond: $5,000 to $50,000, License Required: Yes, Fee: $500. Exemption for out-of-state collectors: Contact state authorities. "Unofficially" - licensing authorities may allow out-of-state agencies to bypass requirements if they do not solicit in state and/or work for instate clients. Wage Garnishments generally not allowed. Note that most civil Sheriffs in this state take debtors not showing up in court seriously, debtors often can face jail time for not obeying the court in this state. In a chapter 7 no asset successful BK, it does not matter if the creditor was listed or not, judgment is gone. XX CVS judgments are from superior court, CVM and CVD judgments are district court judgments. Mecklenburg county sheriffs are very slow. See North Carolina info. New: In most counties, NC judgment enforcers should get a collection agency licence and get a bond. Alert: We cannot help you in North Carolina - see the PDF at: ncleg.net/EnactedLegislation/Statutes/PDF/ByArticle/Chapter_58/ Article_70.pdf . Also, unlike most other state courts, many counties in NC charge $6 to file an assignment of judgment.


--->  Judgments with Debtors living in NORTH CAROLINA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




NORTH DAKOTA Judgment Enforcement, North Dakota Interest Rates: Pre-Judgment: 6%, Judgment: 12%. Statute Of Limitations (Years): Open Account for services: 6, Sale of Goods: 4, Written Contract: 6, Domestic Judgment: 10 renewable, Foreign Judgments: 10 renewable. Bad Check Laws (Civil Penalty): Amount due, collection fees of $20, and $100 or 3x check - whichever is less. General Garnishment Exemptions: Greater of 75% or amount each week equal to 40x federal minimum hourly wage - plus $20.00 each household dependent. Collection Agency Requirements and License Requirements: Bond: $20,000, License Required: Yes, Fee: $200. Exemption for out-of-state collectors: Out-of-state collectors may be exempt if (1) collecting only; (2) their office is located in a state that has a reciprocal law; and (3) the state has "enacted similar legislation". See North Dakota info.

--->  Judgments with Debtors living in NORTH DAKOTA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




OHIO Judgment Enforcement, Ohio Interest Rates: Judgment: 4%. (2004-2009 it was zero to 10%) Statute Of Limitations (Years): Open Account: 4, Sales Contract (UCC2-725) or Written Contract: 15, (Before 2004) Domestic Judgment: 21, Foreign Judgments: 21. That was before 2004, Now all judgments last ten years. All Ohio Judgments go dormant after 4 years, and must be revived.
Bad Check Laws (Civil Penalty): The greater of $200 or three times the amount of check and attorney fees (no maximum). General Garnishment Exemptions: See federal law. Garnishment limited to once a month per employee. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No. Future-pay ok in Ohio. Note: Huron County does not like Judgment Enforcers. Update Huron County refuses to let Judgment Enforcers do anything in their courts - so much for our 6th Amendment rights. Bank levies - first $400 is exempt now! In Ohio, lawyers can take assignment of judgments like mortals can! Ohio is a state that requires a Substitution of attorney even on cold, done, final judgments. Ohio has "Lock orders" to go after businesses. Interesting is law ORC 2333.1, looks like a great way to lien a judgment belonging to a judgment debtor. See Ohio info. There is a great case in Ohio showing how assignees have the right to enforce judgments, See this PDF: OhioBarVSMidwestRecovery.pdf.


--->  Judgments with Debtors living in OHIO

#160;(Back or Home)




OKLAHOMA Judgment Enforcement, Oklahoma Interest Rates: Pre-Judgment: 6%, Judgment: 4% over U.S. Treasury Bill, judges can choose higher interest rates on judgments, based on previous contracts. Rate of previous year.
Statute Of Limitations (Years): Open Account: 3, Written Contract: 5, Domestic Judgments: 5 renewable, Foreign Judgment: 3.
Bad Check Laws (Civil Penalty): N/A. General Garnishment Exemptions: State law: 75% of earnings exempted, more if hardship established. All federal exemptions apply. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No. See Oklahoma info. Some courts in Oklahoma will not accept assignment of judgments. Oklahoma seems to have become judgment debtor friendly. A successful garnishment renews the judgment. A Good site in Oklahoma county, because small claims are handled in District Court, which also handles Felony, Misdemeanor, Civil, Evictions and small claims.


--->  Judgments with Debtors living in OKLAHOMA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)




OREGON Judgment Enforcement, Oregon Interest Rates: Statutory Judgment: 9% simple interest per year (unless specified otherwise by pre-judgment contract).
Statute Of Limitations (Years): Open Account: 6, Sale of Goods: 6 (4 yrs UCC Transaction), Written Contract: 6, Domestic Judgment: 10 - Renewable at 10, Foreign Judgment: 10. Bad Check Laws (Civil Penalty): Can recover reasonable attorney fees and statutory damages of three times the amount of the NSF check plus $500 if demand letter is sent to debtor 30 days before suit is filed. General Garnishment Exemptions: 75% of disposable earnings or 40x federal minimum hourly wage. Collection Agency Requirements and License Requirements: Bond: No, License Required: Registration only. Fee: Established by director. Exemption for out-of-state collectors: Contact state authorities. Out-of-state agencies may be exempt if (1) collecting for out-of-state client; (2) the debt was incurred by an Oregonian outside the state; and (3) the state where the collection agency is headquartered has a registration program comparable to Oregon's law. Courts in Oregon are: Circuit, Appellate, or Supreme. Writs only last 90 days in Oregon before they have to be refiled. In Oregon, if you are recovering judgments on a contingency basis, you should have a collections agency licence or be a lawyer. See ORS 697.005 and ORS 697.015. It is relatively easy to domesticate judgments into Oregon.

In Oregon, a UCC lien will not be effective unless the state has jurisdiction. It is easy to domesticate to OR, and a lien is automatically placed upon real property in the county in which it is domesticated. No second step, like in most other states, see: http://www.oregonlaws.org/ors/24.115.

Since not all states are as favorable to assignees as California, and if you don't know Oregon law, having the OJC first domesticate the judgment in California (which somebody is going to have to anyhow) and then assign it to you is preferable. See Oregon info.


--->  Judgments with Debtors living in OREGON:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




PENNSYLVANIA Judgment Enforcement, Pennsylvania Interest Rates: Judgment: 6%. Statute Of Limitations (Years): Open Account: 4, Written Contract: 4, District Judgments: 5 (judgments can be entered into the Common Pleas courts to make them good for 20 years), (Common Pleas 20) (writ of revival within 5 years), Property Liens must be revived every 5 years. PA CSAA section 5526. Bad Check Laws (Civil Penalty): After demand and judgment triple damages in amount equal to 3 times the check amount whichever is greater up to $500. General Garnishment Exemptions: For normal judgments, wages cannot be levied, wages can only be levied for taxes or child support. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No. Except for Landlord Tenant cases (and landlords have an advantage in this state), regular Wage Garnishments generally not allowed District Court (Small Claims) judgments expire in 5 years and cannot be renewed. There is a process by which, prior to expiration, the judgment can be extended through a praecipe to a higher court, but that involves time and expense (or attorneys fees if the OJC decides to keep the judgment and hire someone to do it). PA is a common-law state, anything a spouse owns is considered marital property which is exempt from execution. In PA, wage garnishments are not allowed except by the government, landlord-tenant judgments, or for child support. Most child support judgments never expire. In PA, unlike many other places, the final judgment can be just the "Certified From The Record Praecipe to Enter Judgment". No homestead exemption. In PA, unlike most states, an assignment of judgment must be noticed to the judgment debtor. In PA, one files a praecipe (a request) with the court docket to the Prothonotary (the court clerk) to convert the verdict into a judgment. See Pennsylvania info.

--->  Judgments with Debtors living in PENNSYLVANIA: (We have many big PA portfolio judgment buyers and sellers, contact us about PA portfolios.)


LAW DIVISION, SUPERIOR Court in ESSEX county, NEW JERSEY, Judgment Date: 1997, Base J Amount approx: $66,117, plus 3.50% interest. Judgment value now is approx $106,738.54.
Debtor in Dingmans Ferry - Pike county, Pennslvania. Old (Does not expire until 2017) non-default judgment against male debtor (DOB 1959) does not share SSN, minor AKAs, lives in house he partly owns with family, stable, BK 7 once before judgment in 1996. Tried to go BK 13 after judgment in 1998 - dismissed. One other $550 judgment, used to have more, paid them off. No crime, seems to own a running business with a nice web site, - JB Ref# 2715

CIVIL, COMMONWEALTH Court in ALLEGHENY county, PENNSYLVANIA, Judgment Date: 2010, Base J Amount approx: $3,654, plus 6.00% interest. Judgment value now is approx $4,556.10.
Debtor in Vandergr,ift - Armstrong county, Pennsylvania. Male debtor (DOB 1972) does not share SSN or use AKAs, lives in house he owns, has 2 other judgments, an 8K tax lien, and a 1K judgment. Stable, no crime, never BK, judgment is also against his contracting business, - JB Ref# 1623     (Back or Home)




PUERTO RICO (Community Property State) Judgment Enforcement, Puerto Rico Interest Rates: Pre-Judgment or Judgment - changes every 6 months. Statute Of Limitations (Years): Open Account: 3, Merchandise Open Account: 3, Written Contract: 15, Mortgage: 20, Domestic Judgments: 15, Foreign Judgments: 15. Bad check laws: See articles 1851-1856 of the Puerto Rico Penal Code regarding bad check laws. General Garnishment Exemptions: See Federal law. Collection Agency Requirements and License Requirements: Bond:$5,000, License Required: Yes, License Fee: $300 - Renewable. See Puerto Rico info.

--->  Judgments with Debtors living in PUERTO RICO:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)




RHODE ISLAND Judgment Enforcement, Rhode Island Interest Rates: Pre-Judgment: 12%, Judgment: 12%. Statute Of Limitations (Years): Open Account: 10, Written Contract: 10, Domestic Judgments: 20, Foreign Judgments: 20. Bad Check Laws (Civil Penalty): Amount of check, $25 fee and treble damage up to $1,000. General Garnishment Exemptions: See federal law. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No.

When you get a RI Judgment, you must get an execution served within on year. If you do not, the case is dismissed, and you have to go back to court to reinstate the judgment. If the OJC is a corporation, their lawyer needs to sign a substitution of attorney to have the lawyer remove themselves from the case. See Rhode Island info.


--->  Judgments with Debtors living in RHODE ISLAND:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)




SOUTH CAROLINA Judgment Enforcement, South Carolina Interest Rates: Pre-Judgment: 8.75%, Judgment: 12%.
Statute Of Limitations (Years): Open Account: 3, Written Contract: 3, Domestic Judgments: 10, Foreign Judgments: 10. Bad Check Laws (Civil Penalty): Reasonable court costs amount of check and damages up to $500 or 3x check amount - whichever is smaller. General Garnishment Exemptions: Wage garnishments are not allowed. Collection Agency Requirements and License Requirements: Bond: No, License Required: Yes. Fee: No. Exemption for out-of-state collectors: License required for instate agency only. Bank and Wage Garnishments are generally not allowed in SC, all one can do is have the sheriff levy real or personal property. This takes about 6 weeks and if it comes back "Nulla Bono" you must do a supplemental proceeding to do a debtor exam, and some clerks say you need a lawyer to do this, argh. See South Carolina info.


--->  Judgments with Debtors living in SOUTH CAROLINA:

CIVIL, MAGISTRATE Court in HORRY county, SOUTH CAROLINA, Judgment Date: 2013, Base J Amount approx: $1,302, plus 5.00% interest. Judgment value now is approx $1,371.58.
Debtor in Myrtle Beach - Horry county, South Carolina. Default judgment against Female debtor (DOB 1981) shares her SSN with a relative, slight AKAs, lives in house she owns, no other judgments or liens, never BK, moderate crime record in past, clean for last decade, OJC is ok with JE getting 20% on contingency basis, JE keeping 80%, - JB Ref# 2743     (Back or Home)




SOUTH DAKOTA Judgment Enforcement, South Dakota Interest Rates: Pre-Judgment: 12%, Judgment: 10%. Statute Of Limitations (Years): Open Account: 6, Sale of Goods: 4, Written Contract: 6, Domestic Judgments: 20, Foreign Judgment: 10. Bad Check Laws (Civil Penalty): N/A. General Garnishment Exemptions: 20% of the individuals disposable earnings for a 60 day period, creditors can renew garnishments. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No. See South Dakota info.

--->  Judgments with Debtors living in SOUTH DAKOTA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)




TENNESSEE Judgment Enforcement, Tennessee Interest Rates: Pre-Judgment: 10%, Judgment: 10% (or contract rate) (varies with type of transaction).
Statute Of Limitations (Years): Open Account: 6, Written Contract: 6, Domestic Judgments: 10, Foreign Judgments: 10.
Bad Check Laws (Civil Penalty): Treble damages up to $500 + 10% interest and reasonable service charges, atty.'s fees, and court costs. General Garnishment Exemptions: See federal law. Add $2.50 per week for dependent child under 16. Collection Agency Requirements and License Requirements: Bond: $15,000 to $25,000, License Required: Yes, Fee: $600 - to start and $100 and up - annually. Exemption for out-of-state collectors: Contact state licensing authority. Out-of-state agencies may be exempt if they (1) maintain office in another state; (2) resides in a state that provides reciprocity; and (3) comply with provisions of licensing. NOTE If you are enforcing an order of the court, such as recovering a judgment, that you own, you may not need to be licensed collection agency, see the vague TN codes 62-20-102 and 62-20-103, however because the laws are vague, it is safest for non-lawyers to become a licensed collection agency in TN. See Tennessee info.


--->  Judgments with Debtors living in TENNESSEE:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




TEXAS Judgment Enforcement, Texas (Community Property and Debtor-Friendly State) Interest Rates: Pre-Judgment: 6% with agreement - can charge up to 18%. Without agreement - statutory interest of 6% begins to run 30th day after becoming due, Judgments: 5% or 10%. Texas judgments have annually compounded interest rates. Statute Of Limitations (Years): Open Account: 4, Written Contract: 4, Domestic Judgments: 10 (Renewable), Foreign Judgment: 10 (Renewable). A judgment entered in a court of the State of Texas is generally enforceable for a period of ten (10) years. If a writ of execution is not issued within 10 years after its rendition, the judgment is dormant and execution may not be issued on the judgment unless it is revived. (Civ. P. and Rem. C. 34.001. Bad Check Laws (Civil Penalty): N/A. Collection Agency Requirements and License Requirements: Bond: No for commercial judgments yes for consumer judgments, License Required: No, Fee: No. You must be bonded to recover judgments in Texas. Check with a lawyer when you charge interest - Texas has very strong usury laws and penalties.

General Garnishment Exemptions: Wage and salary garnishments other than child support are NOT allowed. Most child support judgments never expire. However, non-wages are garnishable; i.e. rents, 1099 wages, bonus, and other non-wage payments are garnishable. There are four types of civil courts in Texas - Small Claims, Justice, County, and District. Note you can't hit a bank account unless you attest there is no property you can levy on sufficient to satisfy the judgment.
However Texas writs traps any money coming into the bank account while the writ is active! Unlimited homestead exemptions up to 10 acres in Texas, no state income tax.

To subpoena bank records of a judgment debtor in Texas, no consumer notices need to be sent. However as per Rule 21A, you must provide proper notice to the judgment debtor by certified mail with a TRCP, and then you can have a subpoena issued by any judge, court clerk, certified court reporter, lawyer, or notary republic. If the debtor objects, they must file their motion to quash and set it for a hearing. If some debtor's attorney stand sup and argues, "Your Honor, this is nothing more than a fishing expedition." You can answer "Yes it is, Your Honor; the unpaid judgment is my fishing license" . If my subpoena is issued for the purpose of finding assets and liabilities of the judgment debtor, then you will probably prevail. Now if you intend to subpoena the bank records of someone other than the judgment debtor, then that's a different matter entirely because Federal laws are involved. First, collection agency requirements. Not needed for nonconsumer judgments. www.statutes.legis.state.tx.us/Docs/FI/htm/FI.392.htm>. > You will need a business license, There are a few states and counties where is it not necessary to qet a business licence, some places in Iowa for some reason. However usually the local government wants their take as well. Usually, property liens are recorded at the recorder's office. Liberty county is an exception, you record property liens at the Liberty county court. See Texas info, and our article on Texas Courts.


--->  Judgments with Debtors living in TEXAS:

(We have Texas judgment portfolio buyers too.)

CIVIL, COUNTY Court in COLLIN county, TEXAS, Judgment Date: 2010, Base J Amount approx: $33,690, plus 5.000% interest. Judgment value now is approx $46,911.01.
Debtor in Plano - Collin county, Texas. Default judgment against male debtor (DOB 1974) does not share SSN or use AKAs, lives in APT, never BK, no other judgments, no crime, nice web site, business leads, - JB Ref# 2787

JUDICIAL, DISTRICT Court in HARRIS county, TEXAS, Judgment Date: 2009, Base J Amount approx: $331,242, plus 5.00% interest. Judgment value now is approx $412,518.40.
Debtor in Houston - Harris county, Texas. Default judgment, 2 debtors. Debtor 1 male (DOB 1971) does not share SSN, minor AKAs, lives in house with someone, stable, never BK, one other 1.2K judgment, business leads, medium crime record. Debtor 2: male (DOB 1969) lots of AKAs, share SSN with his own AKA. Lives in house with someone, stable, never BK, one other 25K judgment, business leads, no crime, - JB Ref# 2782

SMALL CLAIMS, SUPERIOR Court in TARRANT county, TEXAS, Judgment Date: 2009, Base J Amount approx: $7,539, plus 5.00% interest. Judgment value now is approx $8,708.76.
Debtor in Azle - Tarrant county, Texas. Unlawful detainer judgment, Male debtor (DOB 1982) seems own some kind of business in a different house than the house he lives in. Unique name, never BK, a bit of crime, no other money judgments, one Unlawful Detainer (no money) judgment, stable, has a car, goes fishing in Florida, - JB Ref# 1342     (Back or Home)




UTAH Judgment Enforcement, Utah Interest Rates: Pre-Judgment: 7.35%, Judgment: Contract rate or Federal Judgment Rate. Statute Of Limitations (Years): Open Account: 4, Written Contract: 6, Domestic Judgments: 8, Foreign Judgments: 8. Bad Check Laws (Civil Penalty): Certified statutory bad check notice must be sent. Amount due, interest, court costs, reasonable attorney's fees, plus $15 bad check fee. General Garnishment Exemptions: $142.50 of disposable earnings for wages paid weekly. Collection Agency Requirements and License Requirements: Bond: $10,000, License Required: Yes, Fee: Varies by City and County. In some counties in Utah, you must be a collection agency in Utah, and in some, you must use a lawyer for all court matters, ick. See http://www.utah.gov/government/utahlaws.html and http://corporations.utah.gov/business/ca.html.

--->  Judgments with Debtors living in UTAH:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




VERMONT Judgment Enforcement, Vermont Interest Rates: Pre-Judgment: 12%, Judgment: 12%. Statute Of Limitations (Years): Open Account: 6, Written Contract: 6, Domestic Judgments: 8, Foreign Judgments: 8. Bad Check Laws (Civil Penalty): Court costs, amount of check, attorney's fees, damage of $50. (Notices required). General Garnishment Exemptions: For non-consumer debts, 75% of earning above minimum wage or what is necessary to live. For consumer debts, 85% of wages are exempt. Collection Agency Requirements and License Requirements: Bond: No, License Required: No, Fee: No. See Vermont info.

--->  Judgments with Debtors living in VERMONT:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




VIRGIN ISLANDS Judgment Enforcement: 4% interest on most judgments. They last 20 years. Title 5, Section 31 - Virgin Islands. General Garnishment Exemptions: Garnishment is subject to ten percent or so much of gross wages as exceeds $30 due or to become due to judgment debtor from employer-garnishee for any weekly pay period, or its equivalent for any pay period of different duration. The above percentage limitation does not apply in case of execution of judgment, order or decree of any court for payment of any sum for support or maintenance of a person's spouse, former spouse, or children, and such execution, judgment, order or decree will, in the discretion of the court, have priority over any other levy against judgment debtor's wages. In case of execution upon judgment, order or decree for payment of such sum for support of maintenance, limitation will be fifty percent of gross wages due or to become due to any person per pay period or periods ending in any calendar month. Virgin Island Department Of Labor contact number: (340) 776-3700 St. Thomas, (340) 692-9689 St. Croix See Wikipedia about the US Virgin Islands.

--->  Judgments with Debtors living in the US Virgin Islands:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




VIRGINIA Judgment Enforcement, Virginia Interest Rates: Judgment: usually 6% or contract rate whichever is higher. (We have seen as much as 25%!) Historically most judgment were at 9% and most judgments changed to 6% on 2/13/2004.
Statute Of Limitations (Years): Open Account: 3, Last charge or payment Written Contract: 5, Domestic Judgments: 10 Foreign Judgment: 10, Sales of goods under article 2 is 4 years. Bad Check Laws (Civil Penalty): Lesser of $250 or three times check amount. General Garnishment Exemptions: See federal law. Collection Agency Requirements and License Requirements: Bond:$5,000, License Required: Depends on Locality, Fee: No. Must buy judgments outright in Virginia - contingency basis purchase is usually considered UPL. Generally Virginia is considered hostile to pro-pers. In this state, bank levies last for 30 days, capturing all money coming into the account for 29 days! VA is usually not friendly to non-lawyer judgment enforcers. There are some laws in Virginia that contingency judgment recovery requires an attorney. See Virginia info. Another good web site (PDF) is at: http://scholarship.law.wm.edu/cgi/viewcontent.cgi?article=2345&context=wmlr"


--->  Judgments with Debtors living in VIRGINIA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




WASHINGTON Judgment Enforcement, Washington (Community Property State) Interest Rates: Pre-Judgment: 12%, Judgment: 12%. Statute Of Limitations (Years): Open Account: 3, Written Contract: 6, Domestic Judgments: 10, Foreign Judgments: 10. Bad Check Laws (Civil Penalty): Lesser of check amount or 12% interest, collection costs up to $40. If taken to court, reasonable attorney's fees, 3x value, or up to $300. 6 years to enforce a bad check. General Garnishment Exemptions: Greater of 75% or $64 week (40x state min. hourly wage). Collection Agency Requirements and License Requirements: Bond: Usually $6,000, License Required: Yes, Fee: $300 to start, $50 annually per Branch Office. Exemption for out-of-state collectors: Contact state authorities. Out-of-state agencies may qualify for lesser licensing fees. Out-of-state collectors are no longer required to have resident office and instate trust accounts if they don't have instate client. Bond is not required if held in home state. King County seems to not like JEs. If you are going to enforce judgments in Washington state, you must either buy them for cash up-front (no future pay), be a collection agency, and hire a lawyer to do all court matters. As of April 2012, this is now statewide, a dirty shame. I guess enforcers have to buy judgments out right now in WA as it is not cost effective to hire attorneys for small judgments because there are some laws in Washington that contingency judgment recovery requires an attorney. See RCW 26.16.040 for how community property laws in WA. See Washington info.

--->  Judgments with Debtors living in WASHINGTON
(We have many big WA portfolio judgment buyers and sellers, contact us about WA portfolios.)



CIVIL, SUPERIOR Court in KING county, WASHINGTON, Judgment Date: 2014, Base J Amount approx: $40,599, plus 12.125% interest. Judgment value now is approx $87,916.21.
Debtor in Kuna - Ada county, Idaho. 10 plaintiff Washington default judgment against 2 companies and 2 individuals. Company debtor 1 is an going Idaho company, will need to be domesticated to Idaho. Company was sued as an Inc, might now be a LLC, might need affidavit of identity. Company in good standing, easily found on a google search with good reviews, has three other judgments, $1K state tax lien, $1.7K, $20K. Has one UCC from an insider at the company, a sign of possible shenanigans. Debtor 1 male (DOB 1967) same last name as company, does not share SSN, minimal AKAs, seems to own 2 condos in Boise, ID. BK 7 once in 1999, before cause of action. No other judgments, one UCC from a family member, a sign of possible shenanigans, no crime, might be president of company 1 and shares address with company 1's registered address. Debtor 2 Male - might be deceased. Washington Company 2 seems to be active, a painting company in Washington, easily found with google search. One $2.8K state tax lien. JB Ref# 2800     (Back or Home)




WEST VIRGINIA Judgment Enforcement, West Virginia Interest Rates: Pre-Judgment: 6%, Judgment: 10%.
Statute Of Limitations (Years): Open Account: 5, Written Contract: 10, Domestic Judgments: 10, Foreign Judgments: 10.
Bad Check Laws (Civil Penalty): Amount due, service charge up to $10. Check under $500.00 is a misdemeanor. Over $500.00 is a felony. General Garnishment Exemptions: See West VA code. 38-5A-3-Employees withhold 20% of disposable income or 30x the minimum hourly rate, whichever is less. Other exemptions apply. Collection Agency Requirements and License Requirements: Bond: $5,000 License Required: Yes, $45 Annual. Exemption for out-of-state collectors: Contact state authorities. Some out-of-state agencies may be exempt if they are only collecting for out-of-state clients. See West Virginia info PDF. New - WV is becoming hostile to JEs.


--->  Judgments with Debtors living in WEST VIRGINIA:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




WISCONSIN Judgment Enforcement, (Mostly a Community Property State) Wisconsin Interest Rates: Pre-Judgment: 5%, Judgment: 12%.
Statute Of Limitations (Years): Open Account: 6, Written Contract: 6, Domestic Judgments: 20, Foreign Judgments: 20.
Bad Check Laws (Civil Penalty): Amount of check plus actual damages plus exemplary damages up to three times value of check. Limited to $300. General Garnishment Exemptions: 80% of net pay. Collection Agency Requirements and License Requirements: Bond: $15,000 min. License Required: Yes, Fee: $1,000 - and $200 annually. Exemption for out-of-state collectors: Out-of-state agencies do not need to be licensed if (1) collecting by interstate means (phone, fax, mail); and (2) collecting for an out-of-state client. The Wisconsin Department of Financial Institutions says to enforce judgments you must be a licensed as collection agency. Wisconsin has become hostile to Judgment Enforcers who are not lawyers. In WI, a collections licence is required to recover consumer debt judgments. See 971.41, and the PDF at http://docs.legis.wisconsin.gov/statutes/statutes/427.pdf. Enforcers in Wisconsin should get the expensive collection agency licence, use a lawyer, or pay pennies on the dollar cash upfront.

To examine a debtor, your debtor is sent a statement of assets form as soon as the judgment is entered. A statement of assets is a financial statement to be completed by your debtor and mailed directly back to you. Your debtor has fifteen days to send the statement of assets to you, unless an appeal is filed or he or she has asked the court for an order delaying that fifteen-day due date. Otherwise, you could file a motion and order for contempt. If your debtor failed to attend the hearing on the motion for contempt, the court could issue a bench warrant for your debtor's arrest. If he or she does show up to the hearing, the court would order him or her to complete the statement of assets right there in court. In Wisconsin, Bank accounts are protected - the first $5,000 is exempt from levies. See Wisconsin info.


--->  Judgments with Debtors living in WISCONSIN:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.     (Back or Home)




WYOMING Judgment Enforcement, Wyoming Interest Rates: Pre-Judgment: 7%, Judgment: contract rate or 10% judgment rate.
Statute Of Limitations (Years): Open Account: 8, Written Contract: 10, Domestic Judgments: 5, Foreign Judgments: 5.
Bad Check Laws (Civil Penalty): Double the face amount plus damages equal to collection cost and reasonable attorney fees. General Garnishment Exemptions: See federal law. For consumer credit sale, lease or loan. Up to 65% for child support arrearage. Most child support judgments never expire. Collection Agency Requirements and License Requirements: Bond: $10,000, License Required: Yes, Fee: $200 - Original, $100 - Renewal $100 - plus $100 per branch. Exemption for out-of-state collectors: Out-of-state agencies may bypass licensing if they are not (1) soliciting clients in Wyoming; or (2) collecting for Wyoming creditors. See Wyoming info.


--->  Judgments with Debtors living in WYOMING:

All currently being enforced, purchased, or have been recovered, starting with JudgmentBuy.

    (Back or Home)





All are welcome to join our free forum with the best judgment discussions at   http://forum.judgmentBuy.com

Or you can email us at   contact@judgmentbuy.com - phone number on request.  Merdat Group
or fax us at  1-912-721-7927   or go back to our main site   Here    or to our   FAQ

© Copyright 2001-2014  Merdat Group.