Why judgments go uncollected
Most unpaid judgments are not unpaid because the debtor is insolvent. They are unpaid because no one did the work after the gavel came down. Creditors win, file the judgment away, and discover years later that it has expired. In the meantime debtors relocate, dissolve and re-form under new names, move banking relationships, retitle property, and shift operations into affiliated entities.
Enforcement is an investigative problem before it is a legal one. Filing a writ against an account that was emptied two years ago accomplishes nothing except adding cost. We do the investigation first so that when court process is used, it is aimed at something real.
What is available, and who does it
Judgment enforcement is a collaboration between an investigative firm and licensed counsel. The division of labor matters, and we are explicit about it.
Asset investigation and debtor examination support
SERG investigates and prepares. Counsel conducts the examination.
Judgment domestication in another state
Coordinated by SERG. Filed by counsel in the receiving jurisdiction.
Writs of execution, garnishment, and levy
Filed and executed by licensed counsel.
Judgment liens on real property
Recorded by licensed counsel.
Alter ego, successor liability, and fraudulent transfer analysis
Investigated and documented by SERG. Pleaded by counsel.
Judgment renewal tracking and expiration monitoring
Monitored by SERG. Renewal filed by counsel.
When a debtor holds assets through a business
This is the most common question we are asked, and the answer has a hard limit worth stating plainly.
A judgment against an individual does not automatically reach assets held by a business that individual owns.
Reaching those assets generally requires a court finding of alter ego, successor liability, or fraudulent transfer. Those are judicial determinations. We investigate and document the facts that would support such a claim — common ownership, commingled funds, undercapitalization, transfers made without consideration, timing relative to the underlying suit — and we refer the matter to counsel. We do not assert those claims ourselves, and no collection agency lawfully can.
Anyone who tells you they can simply pursue the company for an individual's debt, without a court making that finding, is describing something they cannot lawfully do.
What we need to place a judgment
Send these through our secure onboarding process after a placement agreement is executed — not through the web form.
- Certified copy of the judgment
- Case number and issuing court
- Date the judgment was entered
- Current balance, including post-judgment interest
- Prior enforcement history, if any
- Any known asset or banking information
Holding an uncollected judgment?
Tell us the court, the balance, and what has already been tried.