The biggest judgment stopper – is when a debtor successfully discharges all debts and judgments with a successful bankruptcy.
Impossible judgments are those that can never be enforced. Over time – some possible judgments become impossible. (And some impossible judgments become possible – like if a debtor inherits something or gets a job or gift.)
One example of an impossible judgment, is when you sue someone with a name that does not really exist.
E.g., you have a tenant that paid cash for their security deposit and first month’s rent. She told you her name was Sally Smith. She did not pay, and you evicted her, and got a judgment. Years later, you send your judgment to us – and we research carefully, and find there is no such person. (She lied to you about her name – maybe she had some fake ID or fake references). Such a judgment cannot be enforced.
Another example of an impossible judgment is when the debtor is truly judgment proof. Being old, smart and clever, sick, poor, or bankrupt can make a debtor judgment proof. Being more than one of these at the same time can make a debtor truly judgment proof. See our Judgment Proof article.
Another example of an impossible judgment is when you sue a corporation (and did not also sue a person) that dissolved, really has no assets, went bankrupt, or no longer exists. Years later – you send your judgment to us, when nothing can be done. See our When Companies Dissolve article. >
Another example of an impossible judgment is when you sue a very clever (criminal or scammer or scoundrel or fraud) – sometimes – especially on small judgments – it just costs too much to expose and prove their fraudulent transfers in court. (www.CreditorExemption.com has a great guide to federal and state debtor exemptions.)
And over time “karma” tends to catch up to frauds and they end up broke. Note that law enforcement does not seem to do much about average rip-offs and frauds, unless guns or drugs were involved.
Another example of an impossible judgment is when the debtor has enough (help, pride, or money) – and/or would rather cut off their own nose to spite their face. Sometimes a debtor would rather spend $25,000 on lawyers than pay a $2,000 judgment. Sometimes debtors would rather lose their home than settle with a Judgment Enforcer. Sometimes the debtor will get unlimited legal help because of their affiliations – or unfairly preferential support groups or agencies. Sometimes debtors appear to be genuinely and perhaps dangerously insane. In such cases – no rational or regular entity can compete.
Difficult judgments are when the debtor is poor, and/or is very old – or very young. Such judgments usually take a long time. In cases where the debtor is really poor – Judgment enforcers try to encourage debtors to send them something when they can afford to. Judgment enforcers do not purposely try to levy the debtor’s last few dollars.
Another difficult judgment is when you sue a borderline and/or not too clever (criminal or scammer or scoundrel or fraud). Judgment enforcers try to find and undo their fraudulent transfers – but that is very difficult and expensive. If there is a large amount owed – and there are large assets hiding – Judgment enforcers leave no stone unturned – but it takes time and money.
Easy judgments are when the debtor has assets showing and judgment enforcers can grab them. Another easy judgment recovery is when the debtor is smart and not poor – and quickly realizes they will save a lot of money (and time) by paying the judgment enforcer quickly.