What is a Judgment?

If you go to court and win a money judgment, you will get a copy of the Court’s judgment stating the amount of money that has been awarded to you.

“I just want to commend you on a job well done! I tried for many years to collect on this judgment and ran into many dead ends. I ran across your website and decided to give it a shot. I am amazed you were able to collect on a judgment that was close to 20 years old. If I ever have another debt that I need help collecting, I would certainly use your organization. Thank you for your hard work and keep the checks coming.”

Joe Scotto, Weston, Florida

In the event a judgment debtor does not pay, you may need the services of a collection agency who offers judgment recovery services. Your Collection Solution, LLC can handle this task for you and will work with an attorney, sheriff, a marshal or any court officer to assist in locating and seizing the judgment debtor’s assets or garnishing wages to satisfy the judgment if appropriate. The enforcement officer may request his  or her fees in advance for mileage and other expenses before attempting to locate the assets or execute on the wages. In some circumstances, these fees later can be added to the original judgment amount. Examples of assets, as each state law differs, may or may not include bank accounts, real estate, automobiles, stocks, and bonds.

How To Obtain a Judgment

You may file an application in small claims, however if the balance owed to you exceeds the Small Claims Court maximum we will find an attorney who can pursue the claim in Civil Court for you. The attorneys we work with, provide services on a contingent fee arrangement. You are responsible for filing and execution costs. Keep in mind to receive your judgment against your debtor, a judge or arbitrator decides the outcome of the hearing so we cannot guarantee or forecast the outcome.

Judgment Enforcement

Your Collection Solution, LLC can provide post judgment collection assistance in New York and New Jersey. Various options to collect a judgment may be available to us, depending on the state, and are listed below.

Wage Garnishment

This is a deduction from the judgment debtor’s pay. The employer is ordered to deduct a certain percentage from each pay check. This percentage is in accordance with the laws of the each state.

Bank Levy

This is a levy on the debtor’s bank accounts, which includes but is not limited to, checking, savings and certificate’s of deposit. The levy is accordance with the laws of each state. There are many exemptions that could prevent a bank levy.

Property Seizure

Some states allow seizure and the sale of personal property by way of a Sheriff’s sale.

All of the above options are done with the assistance of an officer of the court such as a sheriff, a marshal or Court Officer. We cannot guarantee any monies will be recovered as a result of any of these methods. You are responsible for all costs associated with these methods and will be notified by our agency in advance for approval and a request for advanced costs. If the sheriff collects monies, a check is remitted to us. Each month we remit a check to you for any monies received during that month minus our collection fee. Our collection fee is 40% for post-judgment claims.

If a debtor sends payment to your office, you must notify us upon receipt of payment. You will be billed accordingly as per the Client Agreement.

Hours of operation:
Monday – Friday 8:00am-4:30pm, EST

Toll free 1-866-497-1006 or 585-385-1046
(Fax) 1-585-385-1074

Your Collection Solution, LLC
P.O. Box 25201
Rochester, NY 14625