How It Works
Our nationwide judgment purchase process is simple and transparent. From submission to payment, we handle everything—no chasing debtors, no legal fees, no uncertainty.
Submit
Send us your judgment details through our secure form. We respond within 1 business day.
We Review
Our team evaluates the judgment validity, debtor assets, and enforcement potential.
You're Paid
Accept our cash offer, sign the assignment, and get paid. Most purchases close in 4–8 weeks.
See each step of the purchase process in detail, estimate what your judgment may be worth with our judgment value calculator, or compare enforcing a judgment yourself against selling it.
How We Price a Judgment
Every judgment is priced individually. There is no flat percentage and no formula that fits every case. We weigh the same factors any buyer of an asset weighs: how much is realistically recoverable, how long recovery will take, and what it will cost to get there.
Judgment amount
Larger balances can support a stronger offer, but size alone does not set the price. A large judgment against a debtor with no reachable assets can be worth less than a smaller one against a debtor with steady income.
Debtor assets and income
The single biggest factor. Known real estate, bank accounts, employment, or business receivables all improve an offer. Where assets can be identified, we can move quickly.
Collectability and jurisdiction
State law matters. Enforcement periods, wage garnishment availability, and homestead exemptions all shape what is realistically recoverable. Some states make collection straightforward; others require bank levies and liens instead.
Judgment age and status
A recent judgment against a solvent debtor is worth more than an old one nearing its enforcement deadline. Renewals, appeals, and pending motions to vacate all affect risk.
Documentation
A clean file — signed judgment, proof of service, payment ledger — speeds review and strengthens an offer. Missing documents are not disqualifying, but they add work.
Prior collection efforts
What you have already tried tells us a great deal about the debtor. Garnishments that came up empty, failed debtor exams, and settlement attempts all inform our assessment.
We respond within 1 business day with a clear, no-obligation cash offer and an explanation of how we arrived at it. For a quick starting point, use our judgment value calculator.
Civil Judgments We Buy Nationwide
- •Judgments more than $3,000
- •Business-to-business contract disputes
- •Commercial landlord judgments
- •Contractor and service provider claims
- •Individual non-consumer judgments
- •Fraud and breach of fiduciary duty
- •Property damage awards (non-consumer)
- •Personal judgments from business deals
Consumer Debts We Do NOT Buy
- •Consumer credit card debt
- •Medical bills or healthcare debt
- •Student loan obligations
- •Personal loans to individuals
- •Child support or alimony
- •Any debt covered by FDCPA/FCRA
- •Small claims judgments under $3,000
See how enforcement and selling work where you are with our judgment recovery guides by state, or read our attorney referral program if you represent a creditor.
Wayne S. Bisard
Owner & Operator
Meet the Owner
- U.S. Marine Corps Veteran
- 31+ Years Investigative Experience
- President, Michigan Council of Professional Investigators