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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
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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
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public library
Links
For this
judgment collection training course and also judgement
collection training system.
Links to our other judgment collection training
websites that are all actually part of this one (www.JudgmentCenter.com).
More URL's = more Google searches.
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
https://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 © 2024/2025
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
Office (651) 321-1801 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) 321-1801 fax (931) 443-8300 Email:
steve @ judgmentcenter.com
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) 321-1801 fax (931) 443-8300 Email:
steve @ judgmentcenter.com
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?
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.
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
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
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.
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.
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.
You will get the rest of the
system and course if you purchase it at
www.judgementcenter.com
Table of ContentsLeads
for saleTestimonialsaffiliates
PricesWhat
do I get?Buy
nowCredit
Repair Service and credit reports
Fire your boss and become independent - no more driving to work
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 ]
[ 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?
1) Pick
out what domain name you want.
Click
here (you can purchase it yourself or you can let me purchase
it.
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 © 2024/2025 by judgmentcenter |
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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
https://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 © 2024/2025,
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
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