Judgment Business Profit Guide

August 11, 2023


I am a Judgment Broker, not a lawyer, and this article is my opinion, please consult with a lawyer if you require legal advice. As a Judgment Broker, I see the mistakes many judgment enforcers make, and know what judgment enforcers can do to make additional money.

The first rule is: Know when to hold them, know when to fold them. Only keep judgments that you have a chance of enforcing now or later. Only take judgments that are within your ability to enforce. Do not take assignment of a child support judgment if you have never been in a family court. Do not take judgments far away from you, unless you are going to hire a lawyer where the judgment debtor resides. In many states, child support judgments never expire.

The second rule is: Do not throw away judgment leads. The obsolete model is to reject all judgment leads except those that are just right for you. The new profitable model is to refer judgment leads and make money.

Just because a judgment lead is not right for you, does not mean you cannot create value with the lead. If you have a judgment enforcer friend that is near the judgment debtor, you can refer it to them.

However, to increase your profits, refer judgment leads that are not right for you to a judgment broker. It is better to tell judgment owners you know someone that can help, than to send them into the sea of advertising and false promises on the web.

The third rule is: Do not spend much money on poor debtors. Most judgments have debtors without any obvious way to pay off the judgment. When the judgment debtor is poor, it is a good idea to either assign the judgment back, or just keep checking the debtor every six months to a year.

The fourth rule is: Work local, as much as you can, and work in the one or two courts local to you. You want everyone at the court, process server, sheriff, and the law library to know you, your name, and your good reputation of representing yourself as having a good attitude, knowledge, constant improvement, respect for the court, the laws, and everyone.

The fifth rule is: Find your local law library, you can study there for free. Look up the laws of your state on the web, that is free. Get a PACER account and screen your debtors often for bankruptcy filings. Be careful when paying upfront for judgment leads. The best judgment leads are ones you cultivate yourself or that cost you nothing upfront.

The sixth rule is: Do not waste time on “shopper” judgment owners. The general rate for recovering average small judgments is 50%. Do not discount your rate unless the judgment looks very easy to enforce or the judgment is very large (with a lot of available assets to pay the judgment.) When a judgment looks difficult, do not be afraid to quote up to 90% when the risk, expense, and difficulty of recovering is high. If a miracle happens and a tough judgment is recovered easily – cut the original creditor a break for Karma reasons. Just do not put that in writing.

The last rule is: Open your business to more profitably. Profit from all the business, not just the business local and easy for you. Find a Judgment Broker, and refer leads to them to increase your long-term cash flow and profits.

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