Eighty Percent of Small Claims and Civil Judgments Go Uncollected
Small Claims » Eighty Percent of Small Claims and Civil Judgments Go Uncollected
This is such a familiar story for the people of the United States:
- Someone who doesn't pay
- You send them to small claims
- The judge or the magistrate makes a decision to award you
- You never receive any compensation.
Although the small claim court is set up to allow you to get your money back in court, nothing in the manual says that it is easy. Small claims court allows access to fairly generic information on filing wage garnishments, liens, bank garnishments and other ways of recovering the money the small claims court awarded to you, but that information is too generic. So that leaves us with only a few options:
- Let the debtor win (Never see your money again)
- Spend all of your time trying to learn how to get your money back yourself
- Talk to an attorney and pay a retainer plus hundreds per hour fees
- Use a judgment recovery service
Although judgment recovery service isn't hard to figure out once you learn how to do it, the process can be very easy and beneficial. You would suggest that once you were awarded judgment, the court system would make it less of a hassle for you to collect the funds that are owed to you.
Civil Courts offers pamphlets to you explaining debtors rights. Try to ask one of the court clerks how you find the debtors banking information or the process for garnishing the debtors wages, and you will get the same answer - 'we cannot offer legal advice'.
The easiest way to get all of the information about the debtor is the skip tracing technique. The process of skip tracing involves pulling a credit report on the debtor, and being a private investigator to put all of the pieces together. One of the obstacles a debt collector will face is that almost all credit reporting agencies will not allow you to pull a credit report on someone if you do not own or operate a legitimate company that complies with FRCA laws and regulations.
If you use a judgment recovery service, they will collect your money for you with no fees out of your pocket, and no fees if your funds aren't recovered. Unlike lawyers who charge a per hour fee, whether or not they are capable to collect your fees.
We recommend letting a professional National Collection Agency handle your outstanding debts for the most effective and efficient no-upfront cost way to collect on monies owed to you.
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