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The majority of judgments discussed with judgment experts and buyers these days are tough, no matter how optimistically the judgment owners describe their debtors. The majority of judgments depend on judgment debtors with several of these types of issues: bankruptcies, have past-due ex-spouse and/or child support obligations, moving around a lot, with records showing crimes, lots of judgments against them (even some for evictions), or having no property or vehicles. This article is my opinion and is not, legal advice. I am a civil judgment expert, and not an attorney.If you need a strategy to use or legal advice, you should retain a lawyer. What are the factors that can help estimate the chances for a judgment to get collected? That answer determines both the potential money up-front value of typical civil judgments and/or their chances of getting enforced. These are the top seven predictors for calculating a civil judgment's possible value: 1) Stability and/or property ownership of the judgment debtor. It's a bad sign when they're "rolling stones", (moving around a lot) (especially for dodging problems). An optimistic sign would be if the judgment debtor is stable, and/or rents a nice place or owns property. But, if your judgment debtor rents; it is bad news when the debtor lives in a dump and/or rooms with a bunch more folks, for example college kids. 2) It is not a good indicator if there's other judgments or liens against your judgment debtor, because other judgment owners can have the local Sheriff seize your debtor's assets first, before you are able to. It is an optimistic sign when there's no additional judgments or liens, or no other large judgments. 3) Judgments for child support outrank most competing creditors. It's most often not good news when your judgment debtor currently owes a lot of back child support. 4) It's bad news when the debtor seems to be "upside down" having big debts owed and little assets. This is because they're more likely to file for bankruptcy protection. Everyone prefers wealthy judgment debtors having long-term stable work histories and good jobs. 5) It's usually bad news if your debtor drives an ancient clunker vehicle. Although not a guarantee of owning or having assets, when your judgment debtor drives a nice car, it can be an optimistic sign. 6) Married with children. Different than that late 80's television show, married judgment debtors are usually more likely to be stable; and this can end up being good news, especially in community property states. 7) Social situation. Bad signs include lots of criminal records, not caring about how they treat others, if they are anti-social loners, or even many of complaints about the debtor on the web. Good news is if the debtor keeps their nose clean, keep their property maintained, have very close family relations, usually dress nicely, and don't instantly spend every buck they get or earn. Judgment collection is a recovery attempt, this means to collect or enforce your judgment. Buyers are available and can help you with any judgment recovery efforts. Mark Shapiro of http://www.JudgmentBuy.com - Your fastest and easiest free way to find the best expert to recover or buy your judgment.
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