Each and every day thousands of money judgments are being awarded in our civil courts in an ever-increasing tide of unpaid debt. But what you probably didn't know is that a staggering 79% of all these judgments are unpaid because the courts can't force the losing party to pay.
A money judgment entitles the winning party to use many powerful legal tools to collect the money through the court system. Wages and other income can be garnished, property can be taken and sold, bank accounts can be frozen and seized, driver's licenses can be suspended... these are just a few of the many tools in the enforcement toolbox. But the sad truth is most winners in court don't know how or where to begin.
Unfortunately, unless the judgment holder (the winner of the lawsuit) knows how to find the debtor's assets and use the court system to collect, there is little else they can do. The results of all these hard-won legal battles is astonishing... literally BILLIONS of dollars in civil debt, collecting interest - and dust - in someone's filling cabinet.
"Your program is Leaps and Bounds above anything else that I've ever purchased in the past 32 years of buying and wasting thousands of dollars on other programs.
Thank you for making my dreams come true with your judgment recovery training course!"
From Joseph Napoli
All you really need to do is give this business an honest try, follow the step-by-step guidelines I've developed for you, and you will know everything you need to earn a great income with a successful judgment recovery business.
I know a lot of people have jumped in to many home based business opportunities (including myself) hoping to find that special business that will allow you to prosper in your life. What happens is, you see one that looks good, so you go for it. Then, you see another one, and you go for that one too - and so on - until your plate is so full and you're spread so thin, you go crazy trying to work them all.
Don't get me wrong - if you're honestly happy with your life, making money and keeping up - that's great! I hope you continue to do well. But truthfully I think there a lot of good, ethical people out there spinning their wheels and not making any money and are worrying about how to pay the bills.
Most people are very tired of working hard to earn money and still not making ends meet. I believe the secret to a successful home based business is that you must get involved with a something that will fill a 'niche' - the type of business that will provide a much needed service in any community. Not just another 'get-rich-quick' scheme, but something that really works.
If you know in your heart that the above statements are true, and you're interested in learning more about a judgment recovery business, then I hope you'll take just a few more moments of your time to explore this site and learn about the vast amount of opportunity and prosperity available at your local court house.
Learn More About the Judgment Recovery Business
Judgment Recovery is one of the most legitimate, solid business opportunities available today. It's not multi-level marketing, network marketing or any other kind of 'get-rich-quick' scheme, as are so many of the opportunities we are bombarded with today.
Some of the judgment debtor's assets that can be seized include:• Bank Accounts• Stocks and Bonds• Real Estate• Wages• RVs, Boats, Motorcycles• Security Deposits• Business Income/Equipment• Income from 3rd Parties• Rental Income
This is a valuable, much needed service in any community. There is truly little, or no competition anywhere! Why? Because this is an unheard of service industry in its infancy - but soon it's going to explode!
Let's talk for a moment about why this is such a needed service. When a person takes a dispute to court and wins, he or she is awarded a judgment, usually for money. Unfortunately 80% of judgments awarded in court are never collected.
The winner of the judgment (the judgment creditor) can legally assign the judgment to someone else for enforcement - it's just a simple matter of paperwork. Civil judgments are assignable in all 50 states. The person assigned the right to collect the judgment can then pursue the collection of the judgment as if it were their own.
Judgments are valid for an average of ten years in most states, and they are typically renewable. After a couple of years have passed, the average person who has been unable to enforce their judgment will usually forget about it and go on with life. This is money they have essentially written off.
I will show you the most effective ways to contact these judgment holders, and how to get more of these judgments to collect than you can possibly handle.
When the judgment holder receives my proven solicitation letter from you letting them know that you can collect their judgment, without any up-front fees coming out of their pocket, they will be over the moon about the prospect of receiving money from the useless piece of paper they've been holding onto all these years. To them, 50% of something is better than 100% of nothing.
And no - I'm not exaggerating!
You can negotiate any percentage of the judgment to keep for yourself that you feel comfortable with, but most people have no problem with letting you keep half of what you collect for them. If you want to, you can even purchase these judgments up front for just pennies on the dollar!
I cover both of these methods in the training program I've designed for you.
Just take a look at these examples:
We're not talking about standard collection methods, here! A traditional collection agency will send dozens of ineffective, annoying collection letters that may result in a handful of successful collections. After that, they tend to let the debt fall by the wayside.
A judgment creditor has the legal right to seize bank accounts, garnish wages and other business and personal income, place liens or even foreclose on property, or seize personal property and force a sale. All of these procedures are carried out by filing simple forms with the court. You can file the documents by mail, if you wish, and many court houses will even accept filings by FAX or
A judgment was awarded two years
ago for $5,257.00
The judgment holder assigns the judgment to you for enforcement.
With a post-judgment interest rate of 10%, the judgment is now worth $6,309.84.
You will enforce the judgment, keeping 50% of
what you collect.
Your income for a few hours
worth of work is $3,154.92
A judgment was awarded five years ago for $4,194.00.
Because the debtor owns property, you purchase the judgment outright for $335.52 ($0.08 on the dollar).
With a post-judgment interest rate of 10%, the judgment is now worth $6,292.15.
You will enforce the judgment, keeping 100% of what you collect, minus your investment.
Your income for a few hours
worth of work is $5,956.63
electronically. You don't even have to contact the debtor directly, if you choose not to - all you have to do is occasionally send them legal documents through the mail. It couldn't be easier!
One of the greatest benefits about your own home-based judgment recovery business is the income, but let's get any unrealistic expectations out of the way. Obviously you wouldn't be here if you weren't looking for a way to make money, or improve your quality of life - that much is clear. But if you're looking for some kind of pie in the sky promise of riches and an elevation to "Lifestyles of the Rich and Famous" overnight, I'm sorry to inform you that this isn't it.
A judgment recovery business is definitely not a get-rich-quick scheme and I'm not going to try to lure you with any false promises, or by posing in front of my mansion and sports car and swearing this will be you in two weeks. If you're looking for easy money, you should probably look somewhere else, and I sincerely hope you find it.
So let's be reasonable. The truth is that any legitimate business requires hard work, research and plain old elbow grease. Judgment recovery is no exception. But if you're willing to invest the time and effort, a judgment recovery business can provide a decent and sustainable income of about $80,000 a year, for a very low cost investment.
While there are hundreds of ways to collect a judgment, there are just two basic ways to take assignment of them. Both methods transfer ownership from the judgment holder to the assignee (you). That's important because it allows you to collect the judgment on your own behalf. It's also worth noting that judgments accrue simple interest from day one, which means two to three years down the road they are worth significantly more than they were when first awarded.
Take a look at the two examples, above... The first method is to purchase the judgment with the agreement that you'll make payment to the original judgment holder when - or if - the judgment is collected, paying half of what you've collected minus any costs you may have incurred.
This is by far the most commonly used assignment method in our industry. If you are unable to collect the judgment (or only a portion of it), you're not on the hook for anything other than your time and some minor expense you incurred in an attempt to locate assets. Further, there's no 'expiration date' on an assignment. You can continued to check back every few months to see if anything has changed with the debtor's financial situation. You can also record a judgment lien so that if the debtor owns property, or acquires it in the future, your judgment lien will have to be paid before a there's a clear title.
The second commonly used method is to purchase the judgment outright, paying the judgment holder $0.05 to $0.10 on the dollar, up front. The obvious benefit to this is that your potential profit is much higher than it would be if you were just keeping half of what you collect. The only drawback is that you could end up throwing good money after bad, unless you pre-screen the case before purchase and only opt for those cases where you know assets are sufficient enough to satisfy the judgment.
Now that we've covered types of agreements, let's talk about some enforcement scenarios. There are more scenarios for collecting than there are fish in the sea - or any combination of them to ultimately get the job done - but here are some common ones, so you can get an idea about how you actually get from Point A to Point B.
In most states (but not all) you can garnish a judgment debtor's wages. The law typically allows you to intercept 25%. You'll receive payment every time the debtor is paid, which results in basically maintenance free residual income.
Much the same as a garnishment in regard to residual income, however, a debtor submits payments directly to you voluntarily.
Seizure of Bank Accounts:
The court will act on your direction to seize funds in checking, savings or even mutual fund accounts. Anything in the account(s) at the time the bank is notified must be frozen and then turned over.
As the legal judgment owner and creditor, you have the authority to accept a settlement in lieu of collecting the full judgment amount. This is very useful as a means of working with judgment debtors - particularly commercial/business debtors - toward a reasonable solution everyone can live with. You can even structure settlements that are half barter for goods or services - or all barter. The sky's the limit here.
A judgment lien attaches to property and clouds the title until the judgment is paid.
While you would be completely within legal boundaries by foreclosing on property to satisfy a judgment, I wouldn't necessarily recommend this route just to satisfy a measly $5,000 debt (that's pretty cold-hearted). But if you're talking about a judgment against a business for a couple hundred thousand dollars, then - by all means - this might be the way to go!
I could go on with these scenarios all day, but there are just too many of them. Some other potential assets include business income or equipment, rental income, annuities, automobiles, recreational vehicles, boats, planes - I even know a gal who seized and sold a buffalo! I'm confident that you can clearly see how and why an income of $80,000 a year is average for one person operating full time.
Does that sound good to you? Great! Now let me give you details about how I will guide you, step-by-step, to financial independence with the professional Judgment Recovery Training Program I've designed for you!
Confessions of an Opportunity Junkie - Meet SJR's Founder, Christina SmileyLearn from an Industry Veteran
I want to help you. After spending nearly two decades working in the judgment recovery "trenches," I am convinced judgment recovery is one of the most incredible and rewarding businesses around. Believe me - I've seen what's out there!
I've developed a training program that will equip you and teach you everything you need to know to get started in your own judgment recovery business. I've even gone a step further and thrown in free ongoing customer support for as long as you need it. We're not talking about just a book... It's a relationship. And not only a relationship with me and my company personally, but also SJR's very active membership network. I am very serious about your success!
To explore all of the fantastic benefits and features I've packed into this training program for you, scroll over the topics below for more detailed information.
Starting a new business of any kind can be a daunting and confusing task - especially if you've never done it before.
With this information you'll know how best to set up your new business and the steps you'll need to take to ensure you get things off the ground smoothly and painlessly.
You'll receive practical, step-by-step advice about how to:
• Set up and structure your business
• Decide on a business name
• Apply for a business license
• Set goals and create a business plan
• Manage your work and stay organized
There are more judgments than you could ever possibly collect on file at your local courthouse. These customers are ripe for the picking and they need you!
Civil case files are public record. They contain all of the information about judgment holders you need to determine who will best benefit from your services. Knowing exactly what you are looking for in this maze of information is crucial.
Pinpointing judgment holders from these records is not difficult at all. I'll show you exactly how to identify your perfect customer.
In the extensive marketing section of my training program I've shared all the solicitation letters I've created and use daily to generate an overwhelming 30% - 35% response from judgment holders.
I'll also give you all the letters I use to send to businesses in your area who will jump to take advantage of you offer.
Just to make things really easy for you, I've provided all of the contracts and assignment agreements you need to legally assign judgments, and numerous other forms that you'll use on a daily basis to keep you organized. These forms meet the legal requirements in courts throughout the United States.
You'll learn how to pre-screen judgments to determine which ones are worth pursuing, and which should be avoided.
I also include everything you need to develop a professional, personalized agreement package to send to the judgment holder, including cover letters and a Judgment Debtor Profile Worksheet - along with many, many more letters, forms and agreements that you'll use over and over again.
SJR Online Access Guide
These days many of us are fortunate enough to have free online access to civil case file information, and our marketing research can be done at any hour of the day or night right from your computer at home. In fact, many new courts are coming online all the time.
This Guide provides live Internet links to courts that offer online access to civil case file records in each state.
Other compilations similar to the SJR Online Access Guide can retail for over $75 - but I'm including it for you with the training program absolutely FREE!
Bookmark Skip Tracing Guide
Another valuable guide included free for you in my specially designed training program - here are years worth of my very best resources in one easy to use place.
The Guide works with your Internet connection and web browser to give instant access at your fingertips to hundreds of categorized judgment recovery tools, online public records, legal research links, and business and skip tracing websites.
These are economical and reliable sources for everything I use in my own business. Resources that, in some cases, it's taken me years of digging around to find.
Use my exclusive Guide to locate debtors and their assets online. The Bookmark Skip Tracing Guide includes literally hundreds of resources, and many of them are free!
Never hunt for a resource again.
Skip Tracing: Finding Judgment Debtors and Assets
Locating debtors and their assets is the biggest obstacle for the average judgment holder. This is called 'skip tracing', and it's going to be one of the main contributing factors to your success as a judgment recovery specialist.
Even if you don't know how to 'dig', I'm ready and willing to teach you. I'll tell you in plain English how to get the information you need to nail down the debtor's location and assets.
I've crammed this section full of methods and insider tips that private investigators have used and perfected over the years to uncover everything imaginable. Learn all those tricks and secrets that enable P.I.'s to earn $100 an hour and more!
Revealing information is included to de-mystify and unlock the abundance of information found in consumer credit reports and numerous other sources of public records and private financial information.
These reports and the information they disclose are powerful tools that you'll have access to. You'll need to know how to use them to their full advantage, and I'll make sure that you do.
Civil Judgment Enforcement Tools and Procedures
People have asked me, "Will I have to break a debtor's fingers to make them pay and become some kind of thug?" This is a ridiculous image and far from reality! You'll use strictly non-confrontational methods to collect judgments. Anything you do to enforce the judgment will be done by filing paperwork through the court system.
You will never even have to contact a debtor directly unless you choose to do so. All you'll have to do is locate the judgment debtor's assets and complete some fill-in-the-blank forms to file with the court.
Written in an easy to understand format, you'll be taken through the enforcement procedures you'll use to collect judgments in comprehensive detail - above and beyond the basic methods.
You'll understand all of the many powerful legal tools that are at your disposal and how best to use them to get exactly the results that you want.
State Specific Judgment Recovery Information
I've just added my newest product to the training program: The SJR State-By-State
Civil Research Guide.
This indispensable guide will provide you with detailed information about enforcing judgments in each and every state, including post-judgment interest rates, court structures, civil codes for enforcement procedures, direct links to your courts' websites, court rules and more - all in one place!
This product is only available through Sierra Judgment Recovery, and is being included free in the training program for a limited time. Act now to take advantage of this outstanding bonus inclusion.
Unlimited Customer Support
I understand how important it is to get help when you need it. You'll always have access to my friendly and helpful support staff. Along with your comprehensive training program you'll receive live, ongoing Customer Support for as long as you need it, with never any additional cost.
With this support lifeline you'll be able to have a real human being answer your questions, review your ideas, forms, etc., and get expert help that would cost you a lot if you had to get it somewhere else - but with my program it's all included for you.
These benefits alone are worth more than the cost of any program. Other similar types of training programs charge anywhere from hundreds to literally thousands of dollars for this level of support.
I'll provide you with a direct Customer Support email address and telephone number, as well as access to our online Customer Service Center.
Letters, Contracts and Forms
I've provided you with dozens of my best Letters, Contracts and Forms - all as fill-in-the-blank templates. Fill them in and print them out, or merge them with your preferred word processing program. What an incredible time saver!
Here's just a few of the items you'll receive:
Solicitation Letters: Use these to send your offer to individual judgment holders and businesses. Why reinvent the wheel? These letters are proven to consistently generate a 30% - 35% response to your offer.
Assignment Agreements: Choose the terms and agreements for your judgment assignments that best meet the needs of you and your customers.
Assignment of Judgment Form: This form is absolutely critical for your judgment recovery business. It is this document that legally transfers ownership of the judgment from the original judgment holder to yourself. Developed to meet the legal requirements for assigning judgments in every state.
Post-Judgment Interest Tracking Form and Calculator
Comprehensive Collection Worksheet
Debtor Notification Letter: Designed to get the results you need while keeping you out of any potential trouble with debt collection legislation.
Levy Instructions: Use these written instructions to ensure that your directions to the sheriff are clear and concise, so your asset seizures and enforcement procedures will happen exactly the way you want them to.
This is just a small sampling of the comprehensive set of letters, contracts and forms you'll receive.
SJR Member Email Forum
You'll be able to participate on the judgment recovery industry's oldest and most active email forum and chat room. Correspond with hundreds of other judgment recovery specialists about marketing ideas, industry questions and answers, enforcement and skip tracing techniques, member contributed resources, forms and more.
Posting messages to the Member Discussion Forum and generating response from the entire membership is the best way to obtain the highest level of input and exchange of information with your peers. In addition to the daily forum posts, the forum's message archive holds nearly two decade's worth of these priceless exchanges.
Other industry associations charge hundreds for this very same privilege. You will enjoy this valuable subscription and access to the archive at no additional cost.
SJR Member Website and National Member Network
Completion of your judgment recovery training entitles you to free lifetime membership in SJR's nationally renowned Judgment Recovery Association.
SJR Member Website: Access to this private website is exclusively for SJR Association Members. Here you'll find resources galore, documents, supplemental product updates, your Customer Service Center and more.
SJR National Member Network: The SJR National Member Network encompasses all of SJR's Association members across the US. You'll have access to direct contact information for active judgment recovery peers in each state. You can list your business contact information here, too. This is an indispensable networking tool.
The training will teach you everything you need to know about finding debtors and their assets. But if you would rather focus more of your time and effort on other important tasks - like marketing, or enforcement procedures - you can outsource this part of the process.
We now offer asset location services through SJR Strategic Research, a new division of Sierra Judgment Recovery.
Leave all the heavy lifting to us. Let our expert skip tracers locate judgment debtors and their social security numbers, bank accounts, employers, business income, and more.
We offer a full array of research services - all with no monthly fees and no sign-up hassles.
Receive quality judgment referral leads, just by being a part of the SJR Member Association.
We are constantly approached by judgment holders who are desperate for assistance with the collection of their judgments. These requests come from all over the United States and are passed along directly to our members.
No fees or percentages of the collected amount are due to SJR for these referrals - ever.
Free Material Updates
Now computer crashes, accidental file deletions and paying for updated materials is a thing of the past.
Because the Judgment Recovery Training program is available electronically via Internet download, you can simply download the latest version whenever you need it, at no additional cost.
You'll always have access to the most up to date, cutting edge information available in the industry.
Not only can becoming certified through Sierra Judgment Recovery set you apart
from the herd, it will also go a long way toward offering assurance to judgment holders that you are a seasoned judgment recovery professional and an expert.
Many professional industry memberships charge outrageous fees for certification.... Sierra Judgment Recovery offers free judgment recovery certification upon request for all our members.
SJR Online Access Guide
Bookmark Skiptracing Guide
State Specific Information
Letters, Contracts & Forms
Member Email Forum
Member Site & Network
Free Material Updates
"This is the first home-based business I have ever started that I actually enjoy. I am having a blast! If I continue at this pace, I will soon leave my job and do this full time.I am so excited because it has only been a month!" From Tonya L., in Texas Click here to read more
great testimonials.That's Sierra Judgment Recovery's Professional Training Program - virtually my successful judgment recovery business delivered directly into your hands, for you to model your own business on. Because you'll see it from the inside (not as an 'outsider'), you WILL be able to replicate everything I've done and continue to do.
You'll have these jealously guarded secrets revealed to you - I hold nothing back! There's nowhere else you're going to learn these insider tips that up until now, only the real pros use themselves. You'll get the best street smart education on how to enforce judgments available anywhere.
I've done all of the research and work to take the guesswork out of everything. You'll have all the letters I've used that are proven to generate limitless customers. All of the contracts and agreements are included. You'll have all the forms and contact resources it took years for me to develop. After you've read the course you will know exactly how to easily locate debtors and their assets.
You Will Learn...
How to get started and easily set up your judgment recovery business - even if you've never started a business before.
How and where to obtain all of the judgments to collect that you can handle. I include both traditional marketing methods and alternative marketing solutions that you can use if you don't have time for trips to the court house to research new judgments. I've even included an interactive state-by-state guide to online civil case files, where you'll find thousands of uncollected judgments.
What to look for when researching potential assignments to determine whether you want to offer your services to that judgment holder.
What to expect to see in a typical civil case file and how to interpret what you find. You'll learn to unlock valuable clues that will aid you in the enforcement of the judgment.
Non-confrontational methods to locate debtors and their assets. Nobody wants to 'harass' a debtor to make them pay. You won't have to. You'll learn how to quickly and easily locate assets and property and seize them through the courts to enforce the judgment.
How to earn unlimited income from home working full or part time. I understand that it can be difficult to get a business off the ground while still working another job. That's why I've included resources and information that allow you to use time-saving alternative marketing methods.
How to use the forms, contracts and letters included in your manual to organize your judgment recovery business. Learn tips and tricks to keep your business flowing smoothly. I've even included all of the letters, contracts and forms as downloadable fill-in-the-blank templates.
Unique methods to easily uncover hidden assets off and online including in-depth credit report interpretation. Learn how to use public records and cutting edge information products to discover the location of the judgment debtor's employer, bank accounts, real and personal property - even assets you didn't realize could be seized to satisfy a money judgment!
How to use the necessary legal procedures to collect those assets, using both common and uncommon, little known procedures. You'll learn not only the basic procedures - like garnishing wages and seizing bank accounts - I'll also teach you how to use creative methods to reach assets the judgment debtors probably didn't even realize they had.
How to deal with any complications you may encounter. You'll never be all alone! It's true that I've tried to think of every potential obstacle you could possibly encounter and have included information about how to resolve those situations - but you'll also have access to my fantastic Customer Support Staff if you run in to a situation where you require a little more help. Add to that SJR's outstanding National Member Network of active judgment recovery companies who you can network with - and you'll be prepared to handle just about anything!
And what's your investment for everything I've put together for you in this critically acclaimed, comprehensive Judgment Recovery Training Program?
Nothing. It won't cost you a single penny... because it's included free when you join the SJR Member Association.
This amazingly detailed, cutting edge training program is yours instantly when you join SJR's Member Association for one lifetime registration fee of $155.
I don't want any of the money you collect from judgments. I don't want any monthly or annual membership dues or fees. And I promise there is no 'catch' or any strings attached, or any other nasty surprises. There is no "other" more detailed training program to purchase later on - this training is complete in every way. Even the material updates are free.
This is for the whole enchilada - and not to be confused with the free Judgment Recovery Start-Up Guide. While the start-up guide has a ton of great information, it's still just a 50 page chapter-by-chapter summarized version of my full training program.
So is $155 a lot, or a little? Well, for many it's about the same cost as a nice dinner out and a movie, but it might be a bit of a stretch for you, I don't know. But I do know this: there is no other reasonable way you can get set up in this remarkable business and earn thousands of dollars a month. To figure it all out on your own WILL cost you a lot more. And it will take a long time.
I really hope you'll get started today. I'll be guiding you every little step of the way in using my program and resources to quickly set yourself up in a very high-income business.
If you still have some reservations or some questions left unanswered that are keeping you from comfortably making a decision, I certainly hope you won't hesitate to give my Customer Support Staff a try and contact us - we welcome your questions! Use the Live Help box at the top of this page to chat live with with SJR Customer Support. If we're off line you can leave us a message, or
click here to visit the Contact Us page to send your questions to my customer support staff. There are real, live human beings just waiting to answer your questions.
You can also see answers to questions we get get most often by visiting our Frequently Asked Questions page. Just click the button to your right.
Hours of Operation: Monday through Friday; 8:00 am to 5:00 pm Eastern time. We are closed for all major holidays.
Blog: Visit SJR's Blog for articles and insight into the Judgment Recovery Industry. CLICK HERE
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