What’s the most efficient ways to collect from judgment debtors in smaller cases between 5k-20k? Are firms SOL unless the person has real estate or maybe a known job to garnish wages?

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Depends entirely on the state. I practiced in GA where we could levy bank accounts and garnish wages. The sheriffs were very aggressive.

Moved to SC. No levy. No garnishment. And the sheriffs stamp Nola Bono on judgment without ever leaving their desk.

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Not a collection lawyer, but have had to attempted a few times. Collection is difficult. The law likes to protect debtors, so there are lots of procedural hurdles. In addition, you have to be careful about FDCPA (and/or your state equivalent).

In my state, we file certified abstracts of the judgment in the counties where the debtor resides and/or may have real property. We also file UCC lien forms with our secretary of state to cover personal property that might show up there. These are all inexpensive and pretty quick to do. There are lots of other, more expensive steps that can be taken as well, such as the form mentioned above and demanding a compulsory “debtor exam.” (spoiler alert, the debtors never show up for these).

I once got lucky with an abstract of judgment that I filed in a county where the debtor happened to own an investment property. When the debtor attempted to sell the property a short time later, my clients’ lien came up. They were paid in full out of the proceeds of the sale.

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