An Independent Legal Support and Financial Services Company
We specialize and are certified in the enforcement of unsatisfied civil judgments in New York. We hunt the debtor down! We garnish their wages, attach their bank accounts, and seize their assets as allowed by law! We do whatever is necessary to enforce your justly awarded court judgment!
First, we complete an agreement detailing the specifics of the purchase of your judgment. If acceptable, you will then assign the judgment to us making us the assignee of record. Once we have filed the assignment documents with the court we will have the legal right to investigate the judgment debtor and proceed with the process of enforcement. You will receive your money based on the agreement we have reached.
Just complete the short online application below. It would also be helpful to send us a copy of the judgment order itself as it contains a lot of necessary information required.We will contact you and send the necessary documents for your signature. On return of the signed documents we will immediately initiate enforcement of the judgment.
OR --Send your court ordered judgment in several ways:
Fax (315) 253-0206
U.S. Mail 23 Wright Ave Auburn, NY 13021
Call (315) 256-0601
We will review your case and get back to you as quickly
as possible. There is absolutely no obligation on your
Yes. Your state law sets a limit on how long a judgment is enforceable, called a Statute of Limitations. This period is usually from 5 to 20 years starting on the date your judgment was awarded. Some states provide a means of renewing your judgment for an additional period of time.
Usually, yes. Most judgments include a provision for the payment of interest from the day it was awarded. The actual interest rate and calculation process varies from state to state. With interest, your judgment could be worth significantly more than the day it was awarded.
We will conduct a preliminary investigation, at our expense, to determine the judgment debtor's ability to pay. After the purchase we will have the legal right to fully investigate the judgment debtor, and in accordance with the laws of your state, proceed with our enforcement efforts. Only after our full investigation can we actually determine the true value of the judgment.
It all depends on the difficulty in locating the judgment debtor and uncovering their income and assets. Some debtors are pretty adept at hiding their income and assets. They often appear to live without any 'normal' means of support. We will try our best to get results in the first few weeks but it could take months to several years in a difficult case.
You can, if you are willing to put down an up-front retainer fee and pay the attorney $100 or more per hour, whether or not they are able to recover anything at all. When we enforce the judgment, we pay you and there are no up-front costs.
A collection service may contact the debtor and irritate him to death! They may even place a black mark on his credit report. But, they rarely collect! And with the passage of the FDCPA (Fair Debt Collection Practices Act) a debtor has the right to just tell a third-party debt collector to cease all communications. When we enforce we have full permissible purpose to get the award you rightfully deserve.
In most cases, yes. Especially if the judgment debtor answered your complaint or made an appearance in court. If the judgment debtor didn't appear, the judgment is called a default judgment which is considered a weaker judgment. Each of us have the right to confront our accusers and to defend against legal claims. So, if the debtor is able to show the court that he was not properly notified, or served in the wrong capacity, he can file a motion asking the court to set aside the judgment. Overcoming this hurdle can be one of the most difficult in any enforcement effort. Especially when done across state lines.
The Federal Fair Debt Collection Practices Act (FDCPA) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor (or another debt collector) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA.
In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law (Article 29-H of the General Business Law) governing debt collection practices.
Both federal and state laws regulate and restrict various debt collection practices.
Don't just write off bad debt you have not been successful to collect on. There are effective and creative ways to get the money that is due to you. We have the knowledge and skills to negotiate and get those funds for you. Let us help, you'll be glad you did!
Steps for success:
1. Call the customer and attempt to resolve. No response?
2. Send letter - regular mail and certified.
3. Still nothing? Call CJC !
We love our customers, so feel free to visit during normal business hours.
CJC Judgment and Paralegal Services 23 Wright Ave Auburn, NY 13021 US