Sell Your Pennsylvania Civil Judgment for Cash
Won a court judgment in Pennsylvania but can't collect? Great Lakes Strategic Capital purchases non-consumer civil judgments statewide — giving you immediate cash with no upfront fees and no collection risk. Free evaluation within 48 hours.
Pennsylvania Civil Judgment Law — Key Facts
Enforcement Period
20 years (lien: 5-yr intervals)
✓ Renewable before expiration
Post-Judgment Interest
6% per annum
Accrues on unpaid balance from judgment date
Wage Garnishment
NOT Available
Bank levies and liens are the primary tools
Homestead Exemption
None (no homestead exemption)
Statute: 42 Pa. Cons. Stat. § 5529
Why Sell Your Pennsylvania Judgment Instead of Collecting?
In Pennsylvania, you have up to 20 years (lien: 5-yr intervals) to enforce a civil judgment — but enforcement requires time, legal resources, and often multiple court proceedings across different tools: bank levies and real property liens (wage garnishment is not available in Pennsylvania for most civil judgments).
Post-judgment interest accrues at 6% per annum, which adds value over time — but only if the debtor actually has assets you can reach. Many debtors actively avoid collection by hiding assets, changing employment, or depleting bank accounts.
Selling your Pennsylvania judgment to Great Lakes Strategic Capital converts that uncertain future recovery into an immediate, guaranteed cash payment. We handle all enforcement risk, legal costs, and debtor contact after the assignment is complete.
Immediate Lump-Sum Payment
Get paid now — no waiting years for collection to succeed
Zero Upfront Fees
Free evaluation, free offer. No cost to you at any point.
We Absorb All Risk
Once assigned, enforcement risk is entirely ours. Your payment is guaranteed.
No Wage Garnishment in Pennsylvania
Since Pennsylvania restricts wage garnishment for civil debts, we use bank levies and property liens — expertise you may not have in-house.
Pennsylvania Judgments We Buy
- Pennsylvania business-to-business contract disputes
- Commercial landlord / unpaid rent judgments
- Contractor and professional fee judgments
- Fraud and misrepresentation awards
- Partnership and shareholder disputes
- Property damage (commercial)
- Minimum $3,000 judgment amount
- All court levels in Pennsylvania
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
- ✕Judgments under $3,000
- ✕Already satisfied or discharged judgments
How to Sell Your Pennsylvania Judgment — 4 Simple Steps
Submit Online
5 minutes — share basic judgment details through our secure form
Free Review
We evaluate your Pennsylvania judgment, debtor profile, and collectability at no charge
Cash Offer
Receive your personalized cash offer within 48 hours
Get Paid
Sign the assignment, receive payment by wire or check. Done.
Pennsylvania Judgment Recovery — FAQ
How long is a civil judgment enforceable in Pennsylvania?
In Pennsylvania, civil judgments are generally enforceable for 20 years (lien: 5-yr intervals). Judgments can typically be renewed before expiration to preserve enforceability. Cite: 42 Pa. Cons. Stat. § 5529.
What post-judgment interest accrues on my Pennsylvania judgment?
Pennsylvania judgments accrue post-judgment interest at 6% per annum. This interest is added to the unpaid principal balance from the date of judgment entry, increasing the total owed if the debtor does not pay promptly.
Is wage garnishment available in Pennsylvania?
No. Pennsylvania does not permit wage garnishment for most civil money judgments. Creditors and judgment buyers must rely on bank account levies, real property liens, and execution on non-exempt personal property.
What is the homestead exemption in Pennsylvania?
The homestead exemption in Pennsylvania is None (no homestead exemption). This amount is protected from judgment liens and execution on a debtor's primary residence. Judgments may still attach to equity above this threshold.
Can I sell my Pennsylvania civil judgment?
Yes. Judgment assignment is legal in Pennsylvania and all 50 states. Great Lakes Strategic Capital purchases qualifying non-consumer civil judgments entered in Pennsylvania courts. Contact us at (517) 698-8273 or submit your judgment online for a free evaluation.
Legal Disclaimer: The information on this page is for general informational purposes only and does not constitute legal advice. Judgment enforcement laws change frequently. Always consult a licensed attorney in Pennsylvania before taking enforcement action. Great Lakes Strategic Capital is not a law firm and does not provide legal advice.