5 Essential Steps to Collect on a Small Claims Judgment

Collecting on a small claims judgment can be a daunting task, especially if you're not familiar with the legal process. However, with the right steps and strategies, you can increase your chances of getting paid. Here are five essential steps to help you collect on a small claims judgment:

Step 1: Review the Judgment

Before you start collecting on the judgment, it's essential to review the judgment to understand the terms and conditions. This includes the amount owed, the interest rate, and any penalties or fees.

Step 2: Determine the Debtor's Assets

To collect on the judgment, you'll need to determine the debtor's assets. This includes their income, bank accounts, and any other valuable assets. You can use public records, such as property records and tax records, to gather this information.

Step 3: Garnish the Debtor's Wages

If the debtor is employed, you can garnish their wages to collect on the judgment. This involves sending a garnishment notice to the debtor's employer, which will then deduct the amount owed from the debtor's paycheck.

Step 4: Levy Bank Accounts

If the debtor has bank accounts, you can levy them to collect on the judgment. This involves sending a levy notice to the bank, which will then freeze the account and transfer the funds to you.

Step 5: Use a Collection Agency

If you're having trouble collecting on the judgment, you can use a collection agency to help. These agencies have experience in collecting debts and can help you get paid.