Articles By Mark Shapiro

Consumer debts are those that resulted from purchasing goods that are consumable and/or do not appreciate - for example food, clothing, rent, medical expenses, tobacco, alcohol, cable and internet, TVs, etc.

Judgments cost money to recover or sell. If you have a judgment and want it enforced, the average cost is 50%. Worse yet, there is no guarantee, as repayment depends on the judgment debtor. If you sell your judgment for cash, you may get more or less than you paid for it.

Of course, any real work-at-home, or be-your-own-boss way to make money is not as easy as it first looks. Finding judgment leads is not a way to get rich quickly, it is a way to get rich slowly by working. That is the way it is with all real opportunities.

When an entity dissolves just to stymie a creditor, there is a possibility for the creditor to get repaid.

Judgment-related internet radio shows are helpful for those learning the judgment recovery business, and for experienced judgment enforcers to keep up on current topics. The best part of a judgment-related live show is you can ask questions about recovering your own judgment.

The problem with evading legal service is you end up creating a full time job of evading legal service. Also, the plaintiff will learn a lot more about your private life than if you did not evade their service attempts.

Any legal thing you do might get you sued. However, following the law, and the other suggestions mentioned above should minimize any risk. Here are my opinions about any possible risks involving leads:

What if you find a bank funds transfer, right after the debtor had taken your money, to a third party, such as the debtor's spouse, business partner, or their friend? How can you add this newly discovered crooked party to your judgment? Usually you do not, you must start a new lawsuit.

Debtor exams are not as easy or as cheap as they should be. Very often, the court will charge for a scheduled hearing, then you must (usually) pay to have the debtor served.

Like most other liens in bankruptcy court, a UCC lien is only a piece of paper unless you can identify and locate specific property encumbered by the lien. (This is why you should write down any known assets of the debtor on the UCC lien.)

When the debtor makes irregular payments and/or you have substantial recoverable costs, for example, the cost of getting a writ, paying the sheriff, paying a process server, and/or performing debtor-related exams and document productions, it's not so easy to determine the exact amount owed.

A satisfaction of judgment is a (correctly filled out and usually notarized) court form that is filed and endorsed (stamped) by the court. Only a satisfaction of judgment can eliminate a judgment debt.

Most civil lawyers make money creating judgments. Every year more and more lawyers are also starting to recover judgments as a way of increasing their income.

Texas has three court levels - the Texas Justice "JP" Courts, Texas County Courts, and the Texas District Courts.

You can look for judgment buyers on the web, but often you are better off with a judgment listing service. A judgment listing service saves you a lot of time and work, and exposes your judgment to many judgment purchasers. If you use a judgment listing service, pick one with low or no listing or other fees.

A good lawyer puts your interests first. A good lawyer always makes sure that you are being looked out for, before and after the judgment.

Should you hire a Private Investigator or a Skip Tracer? That is a question that you should consider whenever you wonder if you should hire a Private Investigator (PI).

In general, federal judgments are good for 20 years before renewal is required. However, certain states have decided to use their own limits: for example, in Florida, the limit is five years.

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With the court's authorization, the receiver can act as a levying officer. Where the court has jurisdiction, the receiver can take the debtor's assets and hold them. The assets are then subject to the final determination of the court, and the court may decide to distribute the assets for the benefit of the creditor.

Massachusetts has three civil trial courts that address judgment enforcement matters. If the judgment amount is less than $2,000, you will be in the (District or Municipal) Small Claims court. If the judgment amount is more than $2,000 but less than $25,000, you will be in District Civil court. If the amount is more than $25,000 you will be in Superior court.

For a judgment enforcer, or anyone else who is exposed to judgment leads in their hobby or line of work, selling judgment leads can bring current and future income.

If a Judgment Enforcer cannot get money from the debtor, the judgment becomes a seemingly unenforceable judgment. This is where a Debt Settlement Professional (DSP) can help. The DSP becomes the mediator and usually has a better response in working with the debtor.

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If the lawyer will not cooperate, the OJC can go to the attorney's office to thank them for winning the case, and explain that this is a way to start repaying the attorney's fees. As soon as the money comes in, they will be paid. Most lawyers will be happy to hear this and sign a substitution of attorney form.

Georgia judgments may be enforced for seven years, after which they go "dormant". After they go dormant, you must revive them within three years (ten years total).

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If a web site or a person tells you that they are a Judgment Enforcement Agency, ask them if they, and all their advertised agents meet all State and local laws.

When the enforcer is close to the debtor, it vastly increases the likelihood of recovering money from your debtor

A default means you won your lawsuit. In many ways, this is good news - the judge ruled in your favor, there were no delays, no extra expenses, and you didn't have to hear or read the debtor's lies in court.

The most important thing a successful bankruptcy does is discharging (wiping out) most or all of the debtor's debts (including most Judgments).

At every Courthouse - there should be a sign that says: "When you win a Judgment - don't expect to be paid". Of course such signs don't exist. While court is a place to win a judgment, the court does not care if the judgment is paid.

How to pick a good Judgment Enforcer.