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How To Make Money
Collecting Judgments

       A Complete Judgment Collection Training Course
(Learn how to collect judgments)

Products:  Judgment Collection Training System
Prices:  Judgment Collection Training

Table Of Contents

Continue...
Section 1)  Main Page 

Section 2) 
Real Life Example
Section 3)  What is a Judgment?

Section 4
How many unsatisfied judgments are there?
Section 5)  How did I start collecting my 1st judgment?

Section 6
PricesWhat do I get?Buy it now

As seen on Amazon.com BarnesAndNoble.com and at a public library

Links        For this judgment collection training course and also judgement collection training system.

 

Links to our other judgment collection training websites

http://www.judgmentcollectiontraining.com  judgment collection training system 259 3-ring notebook

http://www.judgementcollectiontraining.com  judgement collection training course 259 page paperback book

www.judgementcenter.com  main website for how to collect my own judgment training

www.allhomebased.com/Judgments.htm  main website for how can I collect my own judgment

A Complete Judgment Collection Training Course
Learn how to collect judgements for money
Collect on your judgement  Judgment recovery training
Judgment recovery course   judgement recovery system

 


Home page of the main judgement collection training system

IMPORTANT NOTE:

I tried to copy the first few pages of my judgment collection course (259 pages total) into this webpage.   This webpage is not pretty, for the actual table of contents please go to the website at www.judgementcenter.com

You will get the rest of the system and course if you purchase it at www.judgementcenter.com   


 

HOW TO MAKE MONEY

COLLECTING  JUDGMENTS

 Becoming a
Professional Judgment Collector and Recovery Processor

 WRITTEN

By

STEVE COOK

http://www.JudgmentCenter.com

 

Other Sites Steve Cook created and currently manages:

 http://www.321Cam.com        http://www.NannyCam.net 
Live Family Friendly Video  

 http://www.MyOnlineCreditReport.com 
Credit Reports and Score

 http://www.AllHomeBased.com 
Home Based Businesses,  Website Software,  Want your own website

  Information in this document and on the CD are from my own experience plus documentation compiled from government sources.   No information in this judgment system should be considered legal advice because I am not a lawyer.  Instead I got into judgment collection because I was a landlord and I won a small claims judgment against a couple of my ex-tenants but they never paid me the money I won.  I was frustrated and researched what the next steps were.  I was successfully able to collect that first judgment using wage garnishments and Anoka County (MN) Sheriffs office who did the actual wage garnishment demand to my ex-tenants employer.    I do not want to make it seem that I am giving legal advice because I am not, and some laws can change without my knowledge (thus it would not be reflected in this judgment system).  I did my best writing this system, but some information could be old or even wrong, but this should help you get you started.

     Copyright 200/2010, all rights reserved. No part of this material may be reproduced or transmitted in any form or by any means without permission in writing from the author or publisher.       



TABLE OF CONTENTS

PROLOGUE I           Welcome      9

PROLOGUE ii
          Disclaimer   12

 

Chapter 1        One Page Summary of the entire process     14

Chapter 2
        How did JudgmentCenter get started?           16

How did JudgmentCenter get started?     17

Who Is www.JudgmentCenter.com?         17

About the author:           17

How I personally started collecting judgments:      17

Work from Home       19

Millions of judgment winners want your help       19

Work on Many Judgments at the Same Time       19

Residual Income       20

 

Chapter 3        Most frequently asked Questions.       21

Can you create a website like this one for me?         26

Who is involved in the judgment court case?      26

 

Chapter 4        Definitions  30

Abstract of Judgment     31

Acknowledgement of Assignment of Judgment     31

Acknowledgement of Satisfaction of Judgment      31

Affidavit of Identity          31

Assignee of Record        32

Assignment Order          32

Automatic Stay  32

Adversary Proceeding     32

Bench Warrant  32

Case Law          32

Certified Copy    33

Conformed Copy            33

Circuit Civil Records       33

Claim of Exemption        33

Community Property      33

Continuance      33

Counterclaim     33

County Civil Records      33

Default Judgment           34

Defendant          34

Demand for Removal      34

Discovery          34

Earnings Withholding Order        34

Excusable Neglect         34

F.C.R.A  (FCRA)            35

Fraudulent Transfer and Fraudulent Conveyance   35

Garnishment      35

Judgment          35

Judgment Creditor          35

Judgment Debtor            35

Judgment Debtors Examination   35

Judgment Lien   36

Levy      36

Lien      36

Lis pendens       36

Memorandum of Costs.  36

Notice of Levy    36

Notice of Opposition To Levy       36

Notice Of Satisfaction     36

Plaintiff  36

Sheriff, Marshall, and Process Servers     37

Stay Period       37

Subpoena          37

Writ Of Execution          37

 

Chapter 5        Starting A Home Based Business        38

Does this have to be a home based business?   39

Using Your Own Home        39

Free Voice Mail         39

Free Fax         39

How to Keep your home phone and home address Private.     39

Let me create a website for you     41

Picking out a new Company/Business Name       42

What’s a winning business name?           42

Create your own DBA (Doing Business As) company name           43

Code Of Ethics         45

 

Chapter 6        What Is A Judgment?      46

Judgment and Appeal          46

A. The Judgment      46

B. Installment Payments      47

C. Paying the Judgment Directly to you    47

D. The Satisfaction of Judgment    48

E. The Appeal            49

Only after the appeals time limit has expired will I try to collect the judgment.          50

Further Appeals        50

 

Chapter 7        Finding Judgments          52

Where Do You Find Judicial Judgments? 53

What You Will find In the Judgment File   54

Evidence Of Bankruptcy     55

Visiting The Courthouse     56

What size of judgment and what kind of judgment should I go after?  58

Are Civil Judgments the same as Small Claims Court cases?   60

Courthouse Visits and problems you may encounter Freedom of Information Act (FOIA)     62

Definition           62

Link to the Freedom of Information Act     62

Freedom of Information Exemptions         62

Sample Letter To The Courthouse To Gain Access To The Case Files          64

 

Chapter 8        Can You Recover?           65

What do these facts mean to you? 65

How can you tell ahead of time?    65

But what about other assets?        66

Homes and mortgages.        66

The law of Wage Garnishments or Attachments  66

The Appeal    67

Only after the appeals time limit has expired will I try to collect the judgment.          68

Further Appeals        69

 

Chapter 9        Judgments Do Expire      70

Renew Your Judgment        71

Time Limits To Collect Court Judgments 71

 

Chapter 10    How to get the judgment assigned to you      73

How To Profit From Judgments Without Putting Up Any Money           74

Get them coming to you - To Collect Their Judgment    74

Sample Letters to contact winners of the judgments (called judgment creditors)     75

Additional Marketing Methods  -  Classified Advertisements    81

Lawyers might want your services too      84

Press/News Releases          85

My business card     86

Work on many judgments at the same time          87

 

Chapter 11    Now the Judgment Creditor is Ready for you            88

Judgment Creditor (winner/plaintiff) is ready for you to start collecting their money.           89

First time you talk to the judgment creditor         89

What should you charge?    91

Can I assist them as they collect their own judgment?   91

What forms do I send to the judgment creditor? 92

 

Chapter 12    Collecting The Money      100

Enforcing the Judgment      101

How Do You Collect Your Money If You have had the judgment assigned to you?   101

Details:           103

A. When You Can Start Collection Efforts            103

1. Contested Cases       103

2. Default Judgments      103

3. After the waiting period           104

Prohibited Debt Collection Practices        106

Collection rules are getting tighter.           106

When the Debtor Pays by Check            107

B. Finding the Debtor's Assets      107

Collecting Judgments Across State Lines            108

This is easier to try…     108

Sister-State or Foreign Judgment            109

C. Creating Property Liens 109

D. Levying on Wages, Bank Accounts, Business Assets, Real Property and more    110

Think twice before using a collection agency.       110

Rules restrict some types of bank account levies. 111

1. The Writ of Execution 111

2. The Sheriff (or Marshal or Constable)    112

3. How to Levy on Wages and Bank Accounts      113

4. Business Assets        114

5. Levying on Motor Vehicles (Including Planes, Boats, and RVs)   115

6. Stocks, Bonds, Mutual Funds, and Other Securities     117

7. Other Personal Property         117

8.   Wages or property held by a third party          117

Wages: 117

Property:           118

Deposits:          118

Writ:     118

9. Pensions and Retirement Benefits       118

E. Recovering Collection Costs and Interest      118

F.  Did they transfer ownership to avoid the judgment?            119

 

Chapter 13    Garnishments        120

Garnishments (from wages and bank accounts)  121

Wage Garnishments      121

I try to use the sheriff department for garnishments and levies.       122

Non-Wage Garnishments (Bank Accounts)          122

Depositions, Citations to Discover Assets, Interrogatories      122

Rule to Show Cause (Contempt of Court) 123

Bench Warrants 123

Attachment, Levy, or Execution on Personal Property       123

Automobiles      124

Business Property         124

Other Personal Possessions       124

Liens on Real Property   125

Bank Account Seizures – (debtors point of view)           126

 

Chapter 14    Contacting the Judgment Debtor          128

Written correspondence and telephone techniques      129

Collection Letters    129

First Demand letter        129

Payment Plan letter       129

Delinquent Payments letter         129

Settlement Letter           129

Final Demand Letter       129

Telephone Strategies      130

Be Organized    130

Identify Yourself 130

Speak to the Correct Person       130

Introductory Phone Comments    130

Strategies of Asking for Payment            131

Strategies of Asking for Satisfaction (individual v. business) 131

Settlements and How to Make Them Sound Appealing      131

Tactics to Avoid Using    131

Closing Statements        132

Did the judgment debtor die?        132

Did the judgment debtor change their name?     132

Did the judgment debtor change their company name? 132

Have they moved to a new state?  133

Sister-State or Foreign Judgment            133

Most Frequently Used Excuses and How to Counter     133

The check is in the mail. 133

I am unemployed.          134

My ex-spouse was supposed to pay that bill, it said so in the divorce decree.         134

Other excuses:  134

Interest: Does the judgment earn interest?         136

 

 

Chapter 15    Skip Tracing            137

Skip tracing – defined     138

Now you need to find the person or their money (wages or bank accounts). 138

What if at the beginning I can not find where the debtor lives or works?       139

If a judgment itself is old, is that bad?      139

Sneaky way to obtain an account number            139

Internet 139

Phone Books and 411    140

More ways to find the judgment debtor:   140

Criss Cross Directories   140

Medical Clinics  141

Water/Sewer     141

Real Estate Agent License         142

Real Estate owned         142

Vehicle License Plates   142

Social Security Number       143

Driver License Numbers And State ID Numbers 147

Credit Reports          149

Will a pulling a Credit Report help me?     149

Do all people have the same types of information on their credit report?      149

Pulling A Credit Report on the Judgment Debtor    149

Should I pull from one or all three?           149

You might have some problems pulling credit reports        149

Credit Bureaus Address & Telephone       151

TransUnion        151

Equifax 151

Experian           151

Special Credit Bureau Reports    152

 

Chapter 16    Skip Tracing – more information           153

Information used in skip tracing:  154

Skip Trace Procedures   154

 

Chapter 17    How many unsatisfied judgments are there?            165

 

Chapter 18    Small Claims Court Rules           168

Small Claims Court Rules for the 50 States and Washington DC          169

 

Chapter 19    LINKS - Websites that can help you     197

Bank Account Information           198

Telephone Directory Look Up      199

Real Property Searches  199

Investigative Resources  199

Locate Driving License Records   199

Business Credit Reporting          200

Government Sites          201

Legal Sites        202

MISC links        203

Credit Reports   203

Find someone’s bank account….            203

How to Find Assets before they are hidden?         203

Free Public Record Finder          204

People Search   204

Zip code lookup 204

Appraisal Estimates       204

Fun Websites    204

 

Chapter 20    Legal Forms            205

FORMS          206

Do not assume that all these forms  are legal everywhere  206

Contract between you and the Judgment Creditor (winner) 207

You do not need to BUY a judgment (no money up front)   207

But there are times that you might want to buy a judgment up front            207

Consideration Clause     208

They asked me to BUY the judgment, should I?    221

Explained - Acknowledgement of Assignment of Judgment            223

Explained - Contingency Agreement for Assignment         223

Explained - Order For Disclosure 223

Explained - Thank the judgment creditor you talked to       224

Explained - Letter to Judgment Creditors  224

Explained - Writ of Execution      224

Explained – Satisfaction of Judgment       225

Negotiations on the split percentage        225

 

Chapter 21    Minnesota   226

Minnesota Conciliation Court Listings      227

Minnesota Website Links    227

Property Information Lookup:         228

Minnesota court information          229

 

”THE END”  248

 


 
PROLOGUE I               Welcome


 

Dear new Judgment Collector,

 

Thank you for your order!   I appreciate your business and good luck.

 

This is the main document (main system), however on the CD rom (if you purchased it) is the rest of the system including the forms, notes and software.  Copy them all to your computer for faster access.

 

Main Form:   “How_To_Make_Money_Processing_Judicial_Judgments.pdf” file which in located on the CD Rom and if you ordered the hard copy, then we printed it and put it in the 3-ring notebook.   The links in it are clickable.  If you need to have a specific set of pages from that document put into a Word document for your easy editing please let us know and we will do that and send it to you via email – of course free of charge.

 

Next Form:   Also included is a document called “A_Sample_Forms_To_Send_To_Creditor.doc”, and this is also on the CD rom and good to read and use (contains multiple forms).

 

 

 

Sincerely,

 

 

www.JudgmentCenter.com

Steve Cook

Steve Cook   Judgment Recovery Processor 

1138 Hunters Ct.

St. Paul, MN 55112-3710

Office (651) 321-3131   Fax (931) 443-8300 Email: steve@judgmentcenter.com

 

Don’t forget about my other websites:

1)       www.nannycam.net   Family friendly live remote controlled webcams  (aka 321cam.com)

2)       www.allhomebased.com   Home business, fun videos, website software and more

3)       www.MyOnlineCreditReport.com   Credit Reports and Score

4)       www.dynomitedesign.com  (mortgage loan officer I recommend, very honest person)

5)       www.NetGuiSoftware.com   Create your own Flash for presentations and websites

 



 

Dear Friend:

 

I would like to personally welcome you to the exciting judgment collections.  Whether you are doing it to collect judgment(s) owned to you OR you want to make a part-time or full-time living helping others collect money owed to them.  By purchasing this system is your first step into this sometimes lucrative way to make money from your home or from an office.

 

Collecting money judgments for others is in demand.  Not too many people know how to do this.  This is a great service for your clients that once they start getting some of their money back they will use your services again and also spread the word by “word of mouth” to others which is the best way to grow your business without advertising. 

 

Chapter 1 contains a short 1 page summary of the process.  This complete Adobe Reader .pdf system has clickable links throughout this document (including the table of contents).

 

The original content of this was from my own experiences when I was a landlord.  I started to document the steps from the time I did my very first judgment against my ex-tenants.   Then I became a real estate agent and mortgage loan office where my services became in demand from co-workers and home buyers and sellers alike so I expanded my own notes and documentation.  Then it kept growing to what you see here.

 

The links can go to another page in this very document OR it may take you to the internet.  Some of the documents, notes, links may contain live references (or pointers) to information created and maintained by other organizations and people. Please note that I do not control and cannot guarantee the relevance, timeliness, or accuracy of these outside materials.

 

 

Very truly yours,

 

 

www.JudgmentCenter.com

Steve Cook    Judgment Recovery Processor

1138 Hunters Ct.

St. Paul, MN 55112-3710

Office (651) 321-3131   fax (931) 443-8300   Email: steve@judgmentcenter.com


 

PROLOGUE ii              Disclaimer


 

 

DISCLAIMER

 

This system (main document and/or anything on CD) is sold as is.  I made every effort to produce and publish the most accurate information possible.  No warranties, expressed or implied, are provided for the data herein, its use, or its interpretation.   Furthermore, I and judgmentcenter.com  disclaim any responsibility for the accuracy or completeness of this data. 

 

Information only and the publisher makes no warranties, or representations of any kind.  An attempt has been made to provide accurate information on the subject matter covered. Purchasers are advised to conduct their own research carefully before investing time or money in an attempt to process judgments.  www.JudgmentCenter.com shall have no liability or responsibility to anyone with respect to contracts, negotiations or agreements that may result from information in this book, or for any loss or damage caused or alleged to have been caused directly or indirectly by such information.

 

www.JudgmentCenter.com is not engaged in rendering legal or professional services.  If legal advice is required, the assistance of a competent, qualified professional should be sought.

 

We must insist, that you do not, under any circumstances, re-print or reproduce any of the materials within for sale, distribution, or otherwise, without express permission from www.JudgmentCenter.com.   It is ok to print a copy for your own personal use.

 

(I did my best writing this.  If I misspelled, duplicated some information, or if there is some incorrect/wrong information, go ahead and send me an email so I can make a change to this document)

 

Information in this document and on the CD are from my own experience plus documentation compiled from government sources.   No information in this judgment system should be considered legal advice because I am not a lawyer.  Instead I got into judgment collection because I was a landlord and I won a small claims judgment against a couple of my ex-tenants but they never paid me the money I won.  I was frustrated and researched what the next steps were. 

 

I was successfully able to collect that first judgment using wage garnishments and Anoka County (MN) Sheriffs office who did the actual wage garnishment demand to my ex-tenants employer.    I do not want to make it seem that I am giving legal advice because I am not, and some laws can change without my knowledge (thus it would not be reflected in this judgment system).  I did my best writing this system, but some information could be old or even wrong, but this should help you get you started.

 

 

Please Refer All Questions Regarding This Program to me, and I prefer email:

 

www.JudgmentCenter.com

Steve Cook    Judgment Recovery Processor

1138 Hunters Ct.

St. Paul, MN 55112-3710

Office (651) 321-3131   fax (931) 443-8300   Email: steve@judgmentcenter.com


 

Chapter 1                    One Page Summary of the entire process


 

 

Summary of the entire process:

1.      Locate a judgment – many different ways

a.      Go to the courthouse, look in their books for judgments 1-4 years old or so, and from $1000 to $5000 or so.

                                                                           i.      Find a good judgment in the book, then look up all the information on the computer, writing down everything you see.  Be accurate.

b.      Create a website so they can come to you with their judgments

c.      Advertise in newspapers, websites etc…

Skip any related to family court, child custody, child support.   Most the time there are laws protecting the information you need if in these type of cases.

2.      Send a letter to the winner (called judgment creditor).   You might not have a current address for this person/company so you might want to research it first.   The letter should explain what your intentions are.

3.      Sometimes the court orders interest and/or fees and sometimes they don’t.  You need to check this out to be able to give the total amount to the winner and loser of the judgment.

4.      Mail Forms to the winner (called judgment creditor)

a.      Acknowledgement of Assignment of Judgment (assigns it to you)

b.      Contingency Agreement for Assignment (determines split 50/50% or whatever)

c.      Judgment Debtor Information

5.      Research to see if the county needs the judgment moved up to a higher court in order to have the judgment reassigned to someone else.   If they do see what forms they need to do the moving (you might be able to use the enclosed “Affidavit of Identification of Judgment Debtor”).

6.      Once you receive the forms back, mail the “Acknowledgement of Assignment of Judgment” back to the courthouse.  

7.      Once this is received and recorded then you have the right to get any information on the debtor (loser of the judgment).    You are now the judgment creditor assignee.

8.      Find the loser.  You can use any free tool or paid tools.  Most are internet based.

9.      Ways to get paid for the judgment:

a.      Maybe the judgment debtor (the loser) will be willing to pay on their own, work out a payment plan called installments where they pay something monthly.

b.      If they won’t pay on their own OR if you feel they won’t, then you can and should garnish their pay or levy their bank accounts.

10.  Don’t forget to pay the winner the percentage you agreed to in the ” Contingency Agreement for Assignment”

11.  Don’t forget that once its paid you need to file a satisfaction of judgment in all counties where the judgment is.   Let the loser know that they need to clean up their own credit report themselves as nothing is removed automatically from the credit bureau even if its been paid in full.


 

Chapter 2                    How did JudgmentCenter get started?

 

How did JudgmentCenter get started?

 

Who Is www.JudgmentCenter.com?

www.JudgmentCenter.com was started in 1999 by Steve Cook who operates as a judicial judgment processor in the business of collecting money owed to plaintiffs awarded money judgments. During the past several years Steve has collected judgments ranging from $1,000 to $19,000 using a variety of techniques to uncover assets, which may then be levied to satisfy judgments.

Over the past few years www.JudgmentCenter.com has collected judgments for a variety of clients. We have built a reputation based on honesty and results.

The services have been used by attorneys, business owners, and individuals alike.  They have come to know www.JudgmentCenter.com and depend on Steve for our quick service and ability to produce.

 

About the author:

As mentioned earlier, www.JudgmentCenter.com was founded by Steve Cook who is also the author and publisher of this program.  

Steve has lots of years of experience in his past as all of the following:

·         Real Estate Experience:

o        Real estate landlord

o        Licensed real estate agent

o        Mortgage loan officer

·         Judgment Collector

·         Employee of credit bureau score company for 6.4 years.

 


 

 

How I personally started collecting judgments:  

As a landlord in 1989, I had to sue an ex-tenant in small claims (conciliation court).  I won, but they didn't pay.  So I started researching on ways to get them to pay.   I kept good notes.  Then when I had to go to small claims court a 2nd time for another landlord/tenant problem (which I won that time also) and I expanded on my original notes.   

Later when I talked to another landlord and I told him about my two successful times I won and also collected from ex-tenants he asked me to collect his small claims court award.   And that when I started researching how to collect some else's judgments without having to get a collection license or permit.

Then in 1997 I started working for a credit bureau score company as a full time employee and I worked there nearly 6.5 years.   I learned a lot of ways to find someone and also find their assets.   I added this information to my other documentation I have been writing since I first had to sue an ex-tenant. 

Throughout the years from 1989 to 2001 I developed a judgment collection system for myself.  Then in 2001 I said why not let others get this information.  So I reformatted all my actual notes, documentation, and forms into this judgment recovery course.   My years of experience are now in one nice judgment recovery home study class / course / system. 

Information contained in this program is compiled from the author’s own experience and is believed to be complete. The entire program is designed to provide information regarding the subject matter and any opinions given are based on the author’s experience, and considered true and accurate, but not infallible. This information is sold with the understanding that the publisher is not engaged in rendering any legal advice. If legal advice is required, the services of an attorney and/or accountant should be sought.

 

SITES:

1.      Golden Retriever / Dog lover rescue site www.ragom.com

2.      Dedicated to Dusty, my golden retriever.  Click here

 


Work from Home

 

Judgment collecting has a potential of a well-above average income.  It is a business that offers a great deal of EXCITEMENT when you receive a payment and CHALLENGE to find debtors. You will be offering a service that nearly everyone needs at one time or another and many influential people will look to you for their collection needs

 

When looking for your work from home opportunity, you need to keep a few simple things in mind. The first is to find something you are passionate about and will enjoy being apart of and promoting. Becoming passionate about your home based business opportunity that you decide to go with is something that will help carry you through the rough times and getting your business to the point you want it to be. Because I am here to tell you, home based business opportunities are no easier than your regular job and don't grow by themselves and you have to be willing to put the time and effort into your home business opportunity to get it off the ground and once you do that you will enjoy all the fruits of your labor

 

Millions of judgment winners want your help

 

The key to earning fees as in judgment collection is if you know how to locate judgment that are collectable and when to not keep pursuing ones that are not.   I prefer to work on the easy to semi-easy ones and I do it with a soft touch.    I prefer to work with the debtor and explain how important cleaning up unpaid judgments are to their credit report.  And how credit reports are also part of many job applications now.   I also explain to them how it lowers their credit score.

 

As this economy keeps getting worse more and more people are not being paid the money they are owed from small claims court or conciliation court.  This is where you come in.  There are hundreds of millions of dollars (maybe into the billions) money owed and unpaid.   There are not may people that know how to collect a judgment and again this is where you come in. 

 

Work on Many Judgments at the Same Time

 

I recommend that you work on many judgments at the same time.  No this does not mean the same day.  There are different steps involved and after you have been collecting judgments for a few months you will have different judgments in different steps of being collected.    That way things are not dull.  Some judgments are in the beginning of the process, some are at the end of the process and the rest are in the middle of the collection process.

 

1)      finding judgments at the courthouse

2)      contacting winners via letters

3)      agreeing to terms with the winners

4)      finding loosers (where they are)

5)      finding loosers assets or employment

6)      some loosers you will contact directly

7)      some loosers you will immediately start wage garnishment or bank account seizures.

 

I have many judgments going at the same time, some in any one of these steps.   

 

Residual Income

 

I really like residual income, its sort of like getting a paycheck.   Residual income is where a looser can not pay the whole judgment at once, but instead may monthly payments to you.  Just like paying off a car loan.   If I decide to take it easy which I have during Christmas time and not pursue any new judgments I still get my monthly payments coming in from these judgments that I set up this monthly payment plan for the loosers.

 

In time you will find that you will be working on several judgments -- sometimes as many as 15 cases at one time.  As you get them you will have to decide which ones you might be able to collect and drop those that you probably will not be able to collect.  If you are picky like this then you will not waste much time on the uncollectable judgments.  After you get some experience You will start to realize which are probably going to be easier to collect and which are not.

 

The easiest ones are where the looser has a job that they have had for years.  The only way to stop a wage garnishment is to quit their job.   Most people can not afford to do that. 

 

 

Home based business obstacles

 

If you are a home based business owner probably the largest obstacle you must overcome is finding motivation. You work at home and need to get online to work on your website, marketing, research, etc. But there are many other things going on that vie for your time. What do you do to ensure you are devoting adequate time to your home based business?

 

My main tool for motivation in my home based business is goal setting. This takes some planning, but if you spend a little time you can develop challenging, yet attainable goals.

 

Before you read any further please take a moment to determine what your goals are.   Do you want to make a few hundred dollars a month, or maybe quit your full time job.  Maybe you even want to do what I did, hire people to go to the court house and find the judgments for you to try to collect from.  You probably will not get rich quick but you can earn $50,000 or more in a year when you first start out.  Remember you have to work hard, as hard as you would when you work for someone else.


 

 

Chapter 3                    Most frequently asked Questions.

 

You will get the rest of the system and course if you purchase it at www.judgementcenter.com   

 

 
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Free:  If you purchase this system, you will also get the E-book Secrets of Credit reports for free (click here for details)

Please check your SPAM or Bulk folders to see if you have an email from me if you are expecting one.  If you don't see it, please send me an email I will reply.   Then if you do not get it within a few hours during the day or by next morning the next day please call me.  

Waiting for my email?  Check your BULK and SPAM folders first to see if you already have it.

Outside the US?  Then send the money by Western Union.  Contact me first.


I am ready to purchase.   How much is it?   What will I get?

You do not need any kind of permit or collection/collectors license in any of our 50 states.   This is Because you are not going to be collecting money for someone else, you will be collecting money for yourself, as you either will purchase the judgment or you will have it temporarily given to you (which I recommend).   In the system course I will give you actual forms that I have used to assign the judgment to me. I will provide you with an actual copy that I used and also a blank form you can use and to modify for your own use.

You do not need to create a company or corporation, but you can if you choose to.

What subjects are covered in the book?


Are there refunds?

No. Sorry no refunds, because copies can be made before you return the system. We have spent a lot of time and feel very confident in this system, and that you will be happy with it.

On this website you get a copy of the table of contents and a large and informative FAQ (frequently asked question) section webpage to help you decide on whether or not you want to purchase this system.      

Table of Contents        Frequently Asked Questions


Do I always have to pay to get the judgment assigned to me?

[ I never pay for a judgment.  I always do it on a contingency bases, just like car accident lawyers.  I and the car accident lawyers only get paid if we collect ]

 

Start up costs?

[ low.   Many times to collect a judgment there isn't a cost at all but stamps and envelopes.   If you have decent information on where someone works and verify it by a phone call then sometimes you can collect without paying anything.   I have a judgment form New Jersey where the looser now lived in California and worked at a college.  I filled out a wage garnishment letter with real information from their employer and mailed it and a letter to the looser in California stating that I have not sent this attached garnishment letter to their employer yet and would like to work out a payment plan with them.   Since this person did not want their HR and payroll department to know about the judgment, they started paying ]
 

With the economy so bad right now is it hard to collect judgments?

[ there are more judgments out there now and more people that can't pay, so it evens out as it was 2-3 years ago.   Now you can be picky with the ones you collect from, and if someone is unemployed, you can always come back to it in 6-8 months and try again, as some people get a new job within that time.   You can tell them that many times prospective employers run credit checks and this judgment shows on the top of it.  This might prevent them from getting that job with all the competitive out there and paying off in monthly installments can help them get a new or better job ]

 


I have heard that most businesses fail in the first year or two
Not all businesses make it.   Many businesses fail in the first 2 years and some types of businesses fail more than 50%.   

That is why this is a perfect business.  You are not investing in equipment, leasing a store.   You can start this part time without really any risk at all.   

Some people are not self disciplined enough to work from home, but even the most busy people probably can get one judgment going and only work on that one until it's collected.   That will also allow you to learn how things work.   BUT you can try 10-15 at the beginning if you have the time and drive.

How do I find these judgments? 
I show you many ways to find them.  Most ways are free and all the ways I personally use are free.  There are services that charge a fee and most of them are great.  It's up to you.  But I show you many free ways to get them.   (PS:  I have started limiting my own to just Minneapolis, MN area and can give you my leads for other areas and we can talk about this after you purchase the training system). 

Can the winner of a small claims court collect their own money? 
Yes, they can.  But most people are too busy to figure out how and that is where you come in.   The numbers prove that most winners do not collect their own money if the losers don't pay on their own right away.

Can the winner hire a collection agency or even a lawyer?
Yes and no.   They usually can't hire a collection agency because collection agencies do not go after court awarded money, they usually go after bounced checks etc.

They can hire a lawyer.  But lawyers are expensive.  These lawyers even charge a 15 minute charge just to answer a simple email which can mean that at $200 an hour, to read an email they can charge $50.   

Of all the judgments I start working on, how many times will I get paid by the loser
This can be as little as 1% or as much as 100%.   The small amounts usually get paid first.   Then if a person has been employed at their job a long time, they are most likely to pay.  If the person has a prestigious job they might pay to save embracement. 

Is this for real?  It sounds too easy.
Yes it is for real.    It is not easy, but not real hard either.  You do not have to try to collect 10 judgments at first as this could get confusing.  Try one at first.  Then another.  They maybe two at a time.  Ask any court clerk where judgments are filed/recorded, how many court awarded judgments come in each day?   The numbers are large.
 
Can I contact you by telephone or email
Yes, click here

Can I get hurt pissing off the wrong person?
If you follow my steps, the loser of the case won't even know what you are doing even after the wage garnishments start.   You can be as secretive as you want and I can give you some ideas.   One is a Mail-Boxes Etc (aka The UPS Store).  They have real street addresses and you use this for ALL things related to judgments including the address you give the court and the winner too.

Do I need to know as much as an attorney would to collect judgments
No. Our system gives you most of what you need to know and you can add your own notes as you go, such as phone numbers of court houses, mailing address, landlord contacts etc....   And there isn't a license or permit needed. 

Are there going to be 10-20 other people in my area trying to collect the same judgments? 
No.   There are new judgments each and every day.   There are so many older ones that no one is working on at all.  Go back and get a judgment that was awarded 2 years ago (we show you how to find these).  Most likely no one has or will contact them about collecting their judgment.

Click here to see how many unsatisfied judgments are in your state as of the year 2000.   BUT the amount has drastically gone up over the last three years, as we are in a very long and deep recession and that has caused the number of judgment to increase.

Do I have to work full time or part time
Either.  You can start with one.  Learn by doing the one.  Then do another.  Then do two at one time.  Increase the number as your time permits.  Maybe you can quit your job in the future if you get enough money rolling in.   If you are out of work, KEEP looking for a full time job, but try a couple of these at the same time.

Is there collection agency license required?
NO.   Collection agencies collect money for someone else.  We show you how to get the judgment assigned to you, thus you are actually collecting money for yourself.  Once you collect the money, you must give the winner their share.    Anyone in any state that is owed money can collect that money.   Now some cities require certain permit or license to work from home, and you need to check with your tax account about how to report the money you make on your income and if you need to at all.

Is this legal where I live? 
Yes, if there is a court where money can be awarded, then you can collect it.   Sometimes you have to wait until the small claims court case is moved up to the next level court before you can have the judgment assigned to you.   Each county is different.  

Can I collect judgments on my own without buying any judgment system?
Yes you can.  But do you know how?   Just for a few dollars with the purchase of this system I can save you a lot of time, do it legally, safer etc...  

Can I order a printed copy of the manual 
Yes, make sure you pick that product when you make the order.   We have downloadable only versions and also CD rom version too.   It comes in a 3 ring notebook.  So you can add your own notes, forms and take the entire notebook where ever you go including to the courthouse to find the judgments to work on.

Do you help me find the winner or even the loser? 
Yes.  We give you many free ways to find people, and also some paid ways.

Does the training manual come with any actual letters and forms that I will need
Yes.  You will then modify them for your own name etc...

Will I make money?
It's up to you.   If you don't do anything, no one will send you any money, but if you follow my steps and with a little work you can.

How is my system delivered to me
We have downloads from the internet, we have CD only and we have printed versions with CD.    Your hard copy (3-ring notebook) is sent by USPS mail. 

The price is so low, do I get a detailed step by step system
Yes the price is low and Yes you get details of each step.   You get some actual forms and examples too.

Is my course tax deductible
I can not give legal advice, and I do not know your tax situation.
Remember you might not only be able to deduct the price of this system but also mileage to and from the courthouse, stamps, paper, ink, envelopes, your pc, internet access, or even the room in your home.

If I owe a judgment can this system help me?
Yes it possibly can.   Our system might be able to get your amount lowered by 50%.   We can work out a deal where I collect the judgment from the person/business you owe money to.  Then you pay me 60%, and the rest is forgiven.  Thus saving you 40%.   WHAT A DEAL!

 

Can you create a website like this one for me?

Yes.   Steps to take:

1) Pick out what domain name you want.  Click here (you can purchase it yourself or you can let me purchase it.

2) Pick out and pay for what template you want: 

    Pick One.....

    Choice A)    Looks just like this judgmentcenter website
   
http://www.judgmentcenter.com/SampleSitePage.htm

    or

    Choice B)    Pick a template
    http://www.allhomebased.com/Software_Website_Development.htm 

    or
                
 
    Choice C)    Change it just like Microsoft Word is changed,  easy to learn.
    
http://www.allhomebased.com/Software_CMS_System.htm 

    or                

    Choice D)   ALSO:  Here is another Judgment website example, but I can't make any changes to the name at the top to remove the words JudgmentCenter.com, so if can yourself then you can pick this one
    http://www.allhomebased.com/WebsiteSample/index.htm

 

 

Buy The Judgment Collection Training System Now!

 


Unsatisfied Judgments
Compiled 01/1992 through 01/2000 

This does not count the last 4 years.  The recession has caused this to increase by hundreds of millions of dollars.

This is the most current information available.
Compiled from U.S. Census information.

Name of State Cases Total Amount
     
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
397,300
189,512
215,010
289,692
653,874
324,150
307,474
287,416
198,393
419,566
375,330
286,467
308,632
493,730
391,211
298,344
255,037
317,502
304,948
295,786
262,009
517,317
393,812
268,495
294,794
265,930
310,653
291,139
227,355
430,482
240,339
719,563
312,751
263,890
334,735
294,703
312,922
373,775
301,012
295,221
278,335
364,000
429,783
265,609
195,249
345,672
320,658
289,153
218,650
311,022
$424,504,422
$182,085,025
$310,021,128
$297,984,100
$815,693,204
$363,551,388
$329,381,285
$263,477,592
$257,630,456
$569,348,703
$342,743,634
$267,930,723
$378,203,475
$639,362,392
$438,345,497
$325,580,000
$351,101,932
$389,058,458
$320,194,389
$283,574,949
$258,957,433
$639,229,383
$439,803,038
$317,339,304
$374,945,683
$350,348,934
$393,202,029
$320,148,734
$242,048,838
$573,191,320
$289,384,573
$943,202,934
$365,893,900
$301,637,342
$340,247,832
$320,987,493
$353,705,634
$392,682,983
$319,538,833
$297,493,973
$302,849,393
$410,384,921
$489,722,219
$319,473,820
$224,058,435
$386,849,212
$376,945,732
$340,371,156
$268,455,268
$365,611,783
     
Total 16,338,402 $18,868,484,884

Making Money as  Judgment Processor

 

Website developed by www.321cam.com
120+ live video remote controlled webcams 24/7    copyright c 2009-2010 by judgmentcenter

Website developed by www.321cam.com   120+ live video remote controlled webcams 24/7

 

 

I tried to copy the first few pages of my judgment collection course (259 pages total) into this webpage.   This webpage is not pretty, for the actual table of contents please go to the website at www.judgementcenter.com

You will get the rest of the system and course if you purchase it at www.judgementcenter.com   


 

HOW TO MAKE MONEY

 

COLLECTING  JUDGMENTS

 

Becoming a
Professional Judgment Collector
and Recovery Processor

 

The most common judgments are from Small Claims Court:  Landlord VS Tennant
Collect your own money, or collect money for others.

 

WRITTEN

By

STEVE COOK

http://www.JudgmentCenter.com

 

 

 

Book and CD purchased separately (see next page)

 

 

Other Sites Steve Cook created and currently manages:

 

http://www.321Cam.com        http://www.NannyCam.net 
Live Family Friendly Video  

 

http://www.MyOnlineCreditReport.com 
Credit Reports and Score

 

http://www.AllHomeBased.com 
Home Based Businesses,  Website Software,  Want your own website

 

http://www.NetGuiSoftware.com   Flash generating software 

CD purchased separately (see below), purchasers of this book are eligible to buy the CD at a discount.

 

Information in this document and on the CD are from my own experience plus documentation compiled from other sources including government sources.   No information in this judgment system should be considered legal advice because I am not a lawyer.  Instead I got into judgment collection because I was a landlord and I won a small claims judgment against a couple of my ex-tenants but they never paid me the money I won.  I was frustrated and researched what the next steps were.  I was successfully able to collect that first judgment using wage garnishments and Anoka County (MN) Sheriffs office who did the actual wage garnishment demand to my ex-tenants employer.    I do not want to make it seem that I am giving legal advice because I am not, and some laws can change without my knowledge (thus it would not be reflected in this judgment system).  I did my best writing this system, but some information could be old or even wrong, but this should help you get you started.

 

    Copyright 2018/2019, all rights reserved. No part of this material may be reproduced or transmitted in any form or by any means without permission in writing from the author or publisher except of course the forms themselves which you are free to copy, change, edit and use as much as you want to collect judgments for yourself or for others.       

 


    

Purchase the CD at
www.JudgmentCenter.com

 

 

The CD contains an Adobe Reader .pdf version of this book with fully clickable links in it.   The CD also contains Word versions of the forms, notes, hints, ideas, sources to find people and their assets, plus a one+ page summary .

 

$20.00 rebate.

On the website look for and purchase the “CD and Download” or “CD only  (no download)”. 

 

Once you purchased either of these you MUST send me a copy of this book receipt (send it by mail or email or fax (see website for contact info)).   Please include your telephone number too. 

 
You will then get a credit/rebate of $20.00 within 24 – 48 hours and it will be credited to the same credit card you used to purchase the CD.


Please purchase the CD from the website www.JudgementCenter.com

 


 

TABLE OF CONTENTS of 259 page paperback book

PROLOGUE I           Welcome       11

PROLOGUE ii          Disclaimer    14


Chapter 1      One Page Summary of the entire process      17


Chapter 2      How did JudgmentCenter get started?            19

How did JudgmentCenter get started?     20

Who Is www.JudgmentCenter.com?         20

About the author:           20

How I personally started collecting judgments:      20

Work from Home       22

Millions of judgment winners want your help       22

Work on Many Judgments at the Same Time       22

Residual Income       23


Chapter 3      Most frequently asked Questions.        25

Can you create a website like this one for me?         31

Who is involved in the judgment court case?      31


Chapter 4      Definitions   36

Abstract of Judgment     37

Acknowledgement of Assignment of Judgment     37

Acknowledgement of Satisfaction of Judgment      37

Affidavit of Identity          38

Assignee of Record        38

Assignment Order          38

Automatic Stay  38

Adversary Proceeding     39

Bench Warrant  39

Case Law          39

Certified Copy    39

Conformed Copy            39

Circuit Civil Records       39

Claim of Exemption        39

Community Property      40

Continuance      40

Counterclaim     40

County Civil Records      40

Default  40

Default Judgment           40

Defendant          41

Demand for Removal      41

Discovery          41

Earnings Withholding Order        41

Excusable Neglect         41

F.C.R.A  (FCRA)            42

Fraudulent Transfer and Fraudulent Conveyance   42

Garnishment      42

Judgment          42

Judgment Creditor          42

Judgment Debtor            42

Judgment Debtors Examination   43

Judgment Lien   43

Levy      43

Lien      43

Lis pendens       43

Memorandum of Costs.  43

Notice of Levy    43

Notice of Opposition To Levy       44

Notice Of Satisfaction     44

Plaintiff  44

Sheriff, Marshall, and Process Servers     44

Stay Period       44

Subpoena          44

Writ Of Execution          45


Chapter 5      Starting A Home Based Business         46

Does this have to be a home based business?   47

Using Your Own Home        47

Free Voice Mail         47

Free Fax         47

How to Keep your home phone and home address Private.     48

Let me create a website for you     49

Picking out a new Company/Business Name       50

What’s a winning business name?           50

Create your own DBA (Doing Business As) company name           52

Code Of Ethics         54


Chapter 6      What Is A Judgment?       56

Judgment and Appeal          56

A. The Judgment      57

B. Installment Payments      58

C. Paying the Judgment Directly to you    58

D. The Satisfaction of Judgment    59

E. The Appeal            60

Only after the appeals time limit has expired will I try to collect the judgment.          61

Further Appeals        62


Chapter 7      Finding Judgments           63

Where Do You Find Judicial Judgments? 64

What You Will find In the Judgment File   65

Evidence Of Bankruptcy     66

Visiting The Courthouse     66

What size of judgment and what kind of judgment should I go after?  69

Are Civil Judgments the same as Small Claims Court cases?   72

Courthouse Visits and problems you may encounter Freedom of Information Act (FOIA)     74

Definition           74

Link to the Freedom of Information Act     74

Freedom of Information Exemptions         74

Sample Letter To The Courthouse To Gain Access To The Case Files          76


Chapter 8      Can You Recover?            77

What do these facts mean to you? 77

How can you tell ahead of time?    78

But what about other assets?        78

Homes and mortgages.        78

The law of Wage Garnishments or Attachments  79

The Appeal    80

Only after the appeals time limit has expired will I try to collect the judgment.          82

Further Appeals        82


Chapter 9      Judgments Do Expire       83

Renew Your Judgment        84

Time Limits To Collect Court Judgments 84


Chapter 10    How to get the judgment assigned to you       86

How To Profit From Judgments Without Putting Up Any Money           87

Get them coming to you - To Collect Their Judgment    88

Sample Letters to contact winners of the judgments (called judgment creditors)     88

Additional Marketing Methods  -  Classified Advertisements    95

Lawyers might want your services too      98

Press/News Releases          99

My business card     100

Work on many judgments at the same time          100


Chapter 11    Now the Judgment Creditor is Ready for you            101

Judgment Creditor (winner/plaintiff) is ready for you to start collecting their money.           102

First time you talk to the judgment creditor         102

What should you charge?    105

Can I assist them as they collect their own judgment?   106

What forms do I send to the judgment creditor? 107


Chapter 12    Collecting The Money      115

Enforcing the Judgment      116

How Do You Collect Your Money If You have had the judgment assigned to you?   116

Details:           118

A. When You Can Start Collection Efforts            119

1. Contested Cases       119

2. Default Judgments      119

3. After the waiting period           119

Prohibited Debt Collection Practices        122

Collection rules are getting tighter.           123

When the Debtor Pays by Check            123

B. Finding the Debtor's Assets      124

Collecting Judgments Across State Lines            124

This is easier to try…     125

Sister-State or Foreign Judgment            125

C. Creating Property Liens 126

D. Levying on Wages, Bank Accounts, Business Assets, Real Property and more    127

Think twice before using a collection agency.       127

Rules restrict some types of bank account levies. 128

1. The Writ of Execution 129

2. The Sheriff (or Marshal or Constable)    130

3. How to Levy on Wages and Bank Accounts      131

4. Business Assets        133

5. Levying on Motor Vehicles (Including Planes, Boats, and RVs)   134

6. Stocks, Bonds, Mutual Funds, and Other Securities     136

7. Other Personal Property         136

8.   Wages or property held by a third party          137

Wages: 137

Property:           137

Deposits:          137

Writ:     137

9. Pensions and Retirement Benefits       137

E. Recovering Collection Costs and Interest      138

F.  Did they transfer ownership to avoid the judgment?            139


Chapter 13    Garnishments        140

Garnishments (from wages and bank accounts)  141

Wage Garnishments      141

I try to use the sheriff department for garnishments and levies.       142

Non-Wage Garnishments (Bank Accounts)          142

Depositions, Citations to Discover Assets, Interrogatories      143

Rule to Show Cause (Contempt of Court) 143

Bench Warrants 144

Attachment, Levy, or Execution on Personal Property       144

Automobiles      144

Business Property         145

Other Personal Possessions       145

Liens on Real Property   145

Bank Account Seizures – (debtors point of view)           147


Chapter 14    Contacting the Judgment Debtor          150

Written correspondence and telephone techniques      151

Collection Letters    151

First Demand letter        151

Payment Plan letter       151

Delinquent Payments letter         151

Settlement Letter           151

Final Demand Letter       152

Telephone Strategies      152

Be Organized    152

Identify Yourself 152

Speak to the Correct Person       153

Introductory Phone Comments    153

Strategies of Asking for Payment            153

Strategies of Asking for Satisfaction (individual v. business) 154

Settlements and How to Make Them Sound Appealing      154

Tactics to Avoid Using    154

Closing Statements        154

Did the judgment debtor die?        154

Did the judgment debtor change their name?     155

Did the judgment debtor change their company name? 155

Have they moved to a new state?  155

Sister-State or Foreign Judgment            156

Most Frequently Used Excuses and How to Counter     157

The check is in the mail. 157

I am unemployed.          157

My ex-spouse was supposed to pay that bill, it said so in the divorce decree.         157

Other excuses:  158

Interest: Does the judgment earn interest?         159


Chapter 15    Skip Tracing            160

Skip tracing – defined     161

Now you need to find the person or their money (wages or bank accounts). 161

What if at the beginning I can not find where the debtor lives or works?       162

If a judgment itself is old, is that bad?      162

Sneaky way to obtain an account number            163

Internet 163

Phone Books and 411    163

More ways to find the judgment debtor:   164

Criss Cross Directories   164

Medical Clinics  164

Water/Sewer     165

Real Estate Agent License         166

Real Estate owned         166

Vehicle License Plates   166

Social Security Number       168

Driver License Numbers And State ID Numbers 172

Credit Reports          174

Will a pulling a Credit Report help me?     174

Do all people have the same types of information on their credit report?      174

Pulling A Credit Report on the Judgment Debtor    174

Should I pull from one or all three?           174

You might have some problems pulling credit reports        175

Credit Bureaus Address & Telephone       177

TransUnion        177

Equifax 177

Experian           177

Special Credit Bureau Reports    178


Chapter 16    Skip Tracing – more information           179

Information used in skip tracing:  180

Skip Trace Procedures   181


Chapter 17    How many unsatisfied judgments are there?            192


Chapter 18    Small Claims Court Rules           195

Small Claims Court Rules for the 50 States and Washington DC          196


Chapter 19    LINKS - Websites that can help you     228

Bank Account Information           248

Telephone Directory Look Up      248

Real Property Searches  231

Investigative Resources  231

Locate Driving License Records   231

Business Credit Reporting          231

Government Sites          232

Legal Sites        234

MISC links        235

Credit Reports   235

Find someone’s bank account….            235

How to Find Assets before they are hidden?         236

Free Public Record Finder          236

People Search   236

Zip code lookup 236

Appraisal Estimates       236

Fun Websites    237


Chapter 20    Legal Forms            238

FORMS          239

Do not assume that all these forms  are legal everywhere  239

Contract between you and the Judgment Creditor (winner) 241

You do not need to BUY a judgment (no money up front)   241

But there are times that you might want to buy a judgment up front            241

Consideration Clause     242

They asked me to BUY the judgment, should I?    257

Explained - Acknowledgement of Assignment of Judgment            259

Explained - Contingency Agreement for Assignment         259

Explained - Order For Disclosure 259

Explained - Thank the judgment creditor you talked to       260

Explained - Letter to Judgment Creditors  260

Explained - Writ of Execution      261

Explained – Satisfaction of Judgment       261

Negotiations on the split percentage        262


Chapter 21    Minnesota   263

Minnesota Website Links    265

Property Information Lookup:         265

Minnesota court information          267


”THE END”  268


Purchase the CD at www.JudgmentCenter.com       269