Won a Lawsuit But Can't Collect? Here's How Judgment Buyers Work.
If your debtor refuses to pay, has disappeared, or has no visible assets — you're not alone. Millions of valid court judgments go uncollected every year. As a nationwide judgment purchasing company, we buy your judgment outright for cash — across all 50 states, no upfront fees, and no enforcement hassle for you.
Submit Your Judgment Details
5 minutesComplete our secure online form with information about your judgment, including the debtor, amount, court, and any known assets.
- Provide basic judgment information
- Upload supporting documents if available
- No commitment required
Initial Screening
24-48 hoursOur team reviews your submission to verify the judgment meets our criteria for non-consumer civil judgments.
- Verify judgment validity
- Confirm non-consumer status
- Check enforcement feasibility
Due Diligence & Asset Investigation
1-2 weeksWe conduct thorough research on the debtor, including asset searches, business filings, and collection history.
- Comprehensive asset search
- Public records review
- Collection potential analysis
Offer & Agreement
2-5 daysIf the judgment qualifies, we present a cash offer. Upon acceptance, we prepare assignment documents for your signature.
- Fair market valuation
- Clear terms and conditions
- Legal assignment documentation
Payment & Transfer
3-5 business daysOnce documents are executed, we wire payment directly to your account and the judgment becomes our asset.
- Secure wire transfer
- Complete ownership transfer
- No contingencies
Enforcement & Collection
OngoingThe judgment is now ours. You walk away with guaranteed cash and zero further responsibility for collection or enforcement.
- Full ownership transfer to us
- No further action required from you
- Compliance guaranteed
What to Expect
Realistic timelines and honest communication throughout the process
Typical Timeline
- Initial Review24-48 hours
- Offer & Documentation2-5 days
- Due Diligence Investigation4-6 weeks
- Payment3-5 days
- Total6-8 weeks
What We Need From You
- Copy of the judgment or court order
- Debtor information (name, address, business)
- Any known asset information
- Previous collection attempts (if any)
- Signature on assignment documents
Common Questions: Unpaid Judgments & Your Options
My debtor won't pay the judgment — what are my options?
If your debtor is refusing to pay, you have several options: (1) continue enforcement through garnishment, liens, and levies; (2) hire a collection attorney to pursue enforcement; (3) sell the judgment to a judgment buyer like Great Lakes Strategic Capital for immediate cash. Selling is often the fastest, most certain path — you receive guaranteed payment and transfer all enforcement risk.
How do I collect a judgment from someone with no visible assets?
Collecting from an asset-hidden debtor requires investigative techniques: asset searches through public records, business filings, real estate records, DMV data, and financial history. Professional judgment enforcement firms use licensed investigators and post-judgment legal tools like debtor examinations (ORAP), third-party subpoenas, and bank levies. Alternatively, selling the judgment to us eliminates this burden entirely — we handle the investigation.
What happens to a judgment if the debtor files bankruptcy?
Bankruptcy does not always eliminate a judgment. If the judgment was for fraud, intentional misconduct, or certain business debts, it may survive bankruptcy discharge. Additionally, judgment liens recorded on real property before bankruptcy may still attach. We evaluate judgments affected by bankruptcy on a case-by-case basis — contact us for a free assessment.
Can I sell a judgment that has been sitting unpaid for years?
Yes. Dormant, aging, or long-unsatisfied judgments are among the most common cases we evaluate. Most states allow judgments to be renewed before expiration (typically every 10 years). We regularly purchase judgments that are 5, 10, even 15 years old when debtor assets can be identified. Submit your judgment regardless of age for a free evaluation.
What is a judgment assignment and how does it work?
A judgment assignment is the legal process of transferring ownership of a court judgment from the original creditor to a third-party purchaser (the judgment buyer). Once assigned, the buyer gains full legal authority to enforce, collect, and settle the judgment. The assignment is documented in writing, signed by both parties, and typically recorded with the court. It is legally recognized in all 50 states.
