Eighty Percent of Small Claims and Civil Judgments Are Not Pursued
Small Claims Court » Eighty Percent of Small Claims and Civil Judgments Are Not Pursued
This is such a familiar story for most Americans:
- Someone does you wrong
- You take them to small claims
- The court agrees to award you
- You don't get any compensation.
Although the civil system is structured to allow you to get your money back in court, nothing in the manual says that it is easy. Civil court allows access to fairly generic information on filing any garnishment of wages, liens, bank garnishments and other ways of recovering the money you were awarded in court, however the information given to you will not teach you everything you need to know. Therefore, that leaves us with only a few choices:
- Be defeated by your debtors (Never collect the money owed to you)
- Spend all of your time trying to learn how to recover your judgment yourself
- Talk to an attorney and pay a retainer plus hundreds per hour fees
- Hire a Collection Agency
Although collection agency service isn't very difficult to learn once you learn the simple steps of using one, the process can be very easy and beneficial. You would think that judgment is awarded to you, the court system would make it less complicated for you to collect the funds that you are owed.
Small Claims Courts offers pamphlets to you explaining what your rights are as a debtor. Try to ask one of the court clerks how you find the debtors banking information or the process to garnish the debtors wages, and you will find a familiar answer - 'we cannot offer legal advice'.
The easiest and fastest way to get all of the important contact information and other important facts about the debtor is the process of skip tracing. Part of this process involves finding credit report information on the debtor, and being a private investigator to put all of the pieces together. One of the obstacles a creditor will face is that most credit reporters will not allow you to retrieve a credit report on someone if you do not own or operate a legitimate company that complies with FRCA laws and regulations.
If you use a collection agency service, they will recover your money with with no out-of-pocket fees, and no fees if your funds aren't recovered. Unlike lawyers who slap you with per hour fees, whether or not they are able to collect your fees.
We recommend letting a professional National Collection Agency handle your outstanding debts for the most effective and efficient no-upfront cost way to collect on monies owed to you.
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