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As this blog site grows there are more and more articles for you to read.  In order to make it easier for you to navigate this site, we are including this list of links to all of the various blog posts found here.  We hope you quickly find the exact information that you are interested in discovering.

  1. Judgment Debtors – Who Is Your Judgment Against?
  2. Yes you can collect your own judgment.
  3. Who is your judgment against? 2nd article
  4. Organizing to Collect Your Judgment
  5. Post Judgment Discovery
  6. Interrogatories Help Collect Your Judgment
  7. Using your local law library
  8. State Statutes
  9. Request for Production of Documents and Things
  10. What is Judgment Settlement?
  11. How to Collect My Judgment: Short Outline
  12. Document Preparation in Judgment Collection
  13. Why Judgment Settlement?
  14. How to Collect My Judgment Using Lien on Property
  15. Using a Bank Levy to Collect My Judgment
  16. Collecting My Judgment Using Wage Garnishment
  17. How to Enforce My Judgment using Diplomacy
  18. What Is Execution of My Judgment?
  19. Collecting Your Judgment Can Be a Game
  20. Enforcing a Judgment from a Community Property State
  21. How to Collect My Judgment and More!
  22. Who can enforce my judgment?
  23. Judgment Enforcement: Judgment Creditor’s 10 Biggest Sources of Anger
  24. Foreclosure on Judgment Debtor’s Real Estate
  25. Why Your Judgment Debtor Won’t Pay You
  26. My Judgment
  27. Judgment Attorney – Help Collecting Judgments?
  28. How to Pressure Judgment Debtor to Accept Settlement
  29. Tremendous Source of Info on Judgment Debtor
  30. Judgment Bankruptcy, Judgment Collection Roadblock
  31. How to Enforce a Criminal Restitution Award
  32. Vacating Judgment Can Help You Collect Your Judgment
  33. Judgment Investigation – Where to Focus
  34. My Lawyer Won’t Collect My Judgment
  35. Superiority of Judgment Lien
  36. Discovering Place of Employment for Garnishing Wages
  37. Outsourcing Possibilities With Judgment Collecting
  38. Judgment Investigation and My First Trash Search
  39. State Garnishment Laws: Alabama, Alaska, and Arkansas
  40. Judgment Statute of Limitations
  41. State Garnishment Laws: Arizona, California, and Colorado
  42. Locate Debtor to Collect Judgment
  43. Collecting from Multiple Judgment Debtors on the Same Judgment
  44. State Garnishment Laws: Connecticut, Delaware, and the District of Columbia
  45. How to Collect a Judgment After the Judgment Debtor Dies
  46. State Garnishment Laws: Florida, Georgia, and Hawaii
  47. Judgment Investigation, and Best Information Source
  48. Bank Levy – Avoid This Inexcusable Blunder
  49. State Garnishment Laws: Idaho, Illinois, and Indiana
  50. Post Judgment Settlement Agreement – Be Firm!
  51. Pay Judgment or Else!
  52. State Garnishment Laws: Iowa, Kansas, and Kentucky
  53. Judgment Bankruptcy and Debtor Fraud
  54. Judgment Bankruptcy and Identifying Debtor Fraud
  55. State Garnishment Laws:  Louisiana, Maine, and Maryland
  56. Judgment, Bankruptcy, and Concealed Debtor Assets
  57. Judgment, Bankruptcy, and Multiple Filings
  58. State Garnishment Laws:  Massachusetts, Michigan, and Minnesota
  59. Federal Bankruptcy Fraud Statutes
  60. Collect from Judgment Debtor’s Business
  61. State Garnishment Laws:  Mississippi, Missouri, and Montana
  62. State Garnishment Laws:  Nebraska, Nevada, and New Hampshire
  63. Bank Garnishment: Safety Deposit Boxes
  64. Restitution Order Exempt from Bankruptcy
  65. State Garnishment Laws: New Jersey, New Mexico, and New York
  66. State Garnishment Laws: North Carolina, North Dakota, and Ohio
  67. State Garnishment Laws: Oklahoma, Oregon, and Pennsylvania
  68. Judgment Proof or Execution Proof
  69. State Garnishment Laws:  Rhode Island, South Carolina, and South Dakota
  70. Don’t Encourage the Judgment Debtor to Appeal
  71. State Garnishment Laws: Tennessee, Texas, and Utah
  72. What I Expect from a Judgment Debtor
  73. State Garnishment Laws: Vermont, Virginia, and Washington
  74. State Garnishment Laws: West Virgina, Wisconsin, and Wyoming
  75. State Garnishment Laws:  Links
  76. Small Claims Judgement:  Collection Advantage
  77. Nothing Plus Nothing Equals (?)
  78. Judgment Enforcement:  Timeliness Is Critical
  79. Beware:  Post-Judgment Exemption Laws
  80. 5 Keys to Judgment Collection Success
  81. Back in the Judgment Enforcement Saddle
  82. What Your Judgment Debtor Doesn’t Want You to Know
  83. What If I Collect My Judgment?
  84. Locate a Judgment Debtor Who Moved
  85. SSDI:  Discover Death of Judgment Debtor
  86. Fraud Judgment Is Advantageous Over Other Judgments
  87. How FDCPA Affects Collecting a Judgment
  88. What Is a Foreign Judgment?
  89. Domestication of Foreign Judgments or Sister State Judgments
  90. Motion to Compel Post Judgment Discovery
  91. Motion for Contempt Post Judgment Discovery
  92. Default Judgment – What’s That?
  93. Thoughts on Collecting Default Judgments
  94. Affidavit of Financial Hardship in Judgment Enforcement
  95. Lack of Proper Service:  Greatest Challenge to Default Judgments
  96. Absolute Easiest Judgment Enforcement Tactic
  97. Can’t Locate Debtor to Collect Judgment
  98. Post Judgment Payment Agreement
  99. Judgment Money – Where to Collect
  100. Judgment Payment Agreement, Best Types of Funds
  101. Garnishment Definitions for Judgment Enforcer
  102. Drivers License Suspension for Unsatisfied Judgment
  103. Collect Judgment Court Costs
  104. Professional License Suspension for Unpaid Judgment
  105. Court Accommodations for Disabled Judgment Creditors
  106. How I Collected Uncollectible Judgment
  107. Judgments and Our Bad Economy
  108. Garnishee Fails to Pay
  109. What Is a Levy?
  110. What Is a Sheriff’s Sale?
  111. Judgment Collection Success Story: Susan’s Trailer
  112. Statute of Limitations and Judgment Renewal
  113. Domesticate Foreign State Wage Garnishment?
  114. Intellectual Property As Executable Asset
  115. Garnishing Non-employee Earnings Where Employee Wages Are Exempt
  116. Charlotte’s Judgment Lien After Bankruptcy
  117. Judgment Enforcement:  Finish the Drill
  118. Post Judgment Attachment
  119. Your Judgment Debtor’s Achille’s Heel
  120. Garnishment of Reverse Mortgages
  121. Hide and Seek: Judgment Enforcement
  122. Post Judgment Investigation:  Voter Registration
  123. Is a Trust Attachable in Judgment Enforcement?
  124. What Is a Writ of Fieri Facias?
  125. Granny’s Money Judgment Disappointments
  126. Executable Assets Lacking, but Collection Successful
  127. Mike Collects from Unrelated Business
  128. Target the Low Hanging Fruit
  129. Discover Judgment Debtor’s Social Security Number

We wish you success in collecting ALL of your judgment money!

Admin

Discover Judgment Debtor’s Social Security Number

 

Documents that contain a judgment debtor’s non-expunged or non-redacted Social Security number are certainly worth their weight in gold for a judgment collector involved in a post-judgment asset investigation.  A SSN can also be of great assistance when one is attempting to skip trace a missing judgment debtor.

Discover judgment debtor's Social Security number

discover judgment debtor’s SSN

In this 21st century it is much more difficult to legally obtain a person’s personal information.  The one identifier that people are most likely to try to protect is their Social Security number.  This post is intended to give a few types of documents that will likely have a person’s SSN on it somewhere.

Every time I have used a bank levy or bank garnishment, I have included the Social Security number as well as the name of the debtor.  I may only know of the existence of a single account in the debtor’s name at the bank.  By including the “social” I am able to levy on any accounts at that institution which are in the name or SSN of my debtor.  It can be surprising when the bank freezes other accounts that my debtor has at the bank that I had not known about.  It makes collecting all of my money, or at least more of my money a greater possibility.

In my state I have discovered that old traffic tickets frequently included the driver’s “social” as well as other helpful identification information.  I go to the archives at the courthouse and look in the old files which contain the traffic tickets.  In my area, this information is not available in the more recent years of computerized records.

I have found debtor’s personal identifiers by looking at the physical files.  Sometimes a speeding ticket 20 years old will turn up information that current files do not.

Authorities that were compelled to switch over from displaying full SSNs have done a thorough job of not including them in publicly viewable formats that now exist.  However, these same authorities have not been as thorough in removing SSN data from old hard copy forms, files, and records.  In my area, when I am researching old records in the archives, there is typically no one in close proximity to realize that the records I am looking at have personal identifiers that haven’t been expunged or redacted.

There are other documents that contain Social Security numbers for my judgment debtors.  Sometimes they will present them in response to post-judgment discovery requests.

To ask for a debtor to hand over their actual Security Card would seem to be unreasonable.  However, it would not raise the same red flag to ask for them to provide for discovery purposes their pay stub from work.  These often display the “social” on them.

It is also possible to find their SSN by subpoena of their W-2 or 1099 forms.  Virtually all income tax related forms will have SSN or EIN identification on them.

There are other ways to acquire the needed identifiers that judgment creditors need for their post-judgment investigation purposes.  The few mentioned here have worked for me on numerous occasions.

Once you have developed a verified Social Security number and other personal identifiers for your judgment debtor it becomes much easier to discover the existence and locations of assets and incomes.  Basically that is the key to finding the means by which your judgment will ultimately get paid.

Good luck in collecting every cent you are owed.

Here is a link to the list of all of our informative judgment collecting posts.

Bryan

 

Target the Low Hanging Fruit

There are a great many tools one can employ for collecting an unpaid money judgment.  Some of the tools are relatively simple to use while other methods can be more complicated.  When I am planning a judgment collection strategy, I attempt to target the low hanging fruit first.  If I determine that my collection efforts applying the easiest methods won’t succeed, only then will I utilize more involved methods.

I see no reason to unnecessarily complicate the judgment enforcement process.  I will always remember a phrase that I learned from Charlie “Tremendous” Jones that says, “SIB-KISS.”  Charlie was a very wise and successful man.  His SIB-KISS principle was an acrostic where the letters stood for “See It Big – Keep It Simple.”  In judgment enforcement “SIB-KISS” is excellent advice.  See it big and keep it simple!

The easiest tools that I can use to collect a judgment will help me to eliminate complications that might delay the ultimate satisfaction of my judgment.

Sometimes a judgment creditor will pursue one of the more rare and unusual enforcement methods, just as he has the right to do.  There are times when the judgment creditor runs into a road block at the courthouse because the staff at the clerk’s office or the Sheriff’s office is unfamiliar with the ins and outs of a particular enforcement tool.  This does not mean that the judgment creditor was attempting to do something that the law doesn’t allow, it only means that the authorities that are involved in the actual enforcement  are perhaps unfamiliar with the judgment enforcement method.  If they don’t have clarity about what the law allows and how it is to be applied, then you can bet they will drag their feet.  It is understandable that they won’t stick their necks out to help you get your judgment money if they fear that they could be doing something not lawful, or not in the proper way.

I see no reason to choose a collection process that requires me to jump through difficult legal hoops.  I just want to get my money.  The simplest method that leads to success is what interests me.

Don’t misunderstand.  There are times with certain judgment debtors where it is necessary to use collection methods that are more difficult or more involved, legally speaking.  Whatever it takes to get my judgment money, that is what I pursue.

Using more complicated enforcement methods may force a creditor to seek the assistance of others.  This can lead to additional collection costs.  One might have to employ the professional services of a judgment lawyer, private investigator, or other expensive professional.

In my experience I have found that most judgments are collectible through less complicated means.  I wish all judgments were this way.  If a thorough asset investigation of judgment debtors is accomplished, it is usually a fairly simple process to get the judgment money out of debtors.  Post judgment asset investigations will typically lead to the discovery of the low hanging fruit.

Good luck to all of us in our collection efforts!

Bryan

A list of all our articles can be accessed here.  It has links to all of these informative posts.

Mike Collects from Unrelated Business

Well I was quite impressed to hear how my friend Mike managed to collect his money judgment that he won in a lawsuit against a corporation and it’s president.  Mike got paid by executing on assets that were part of a completely different and unrelated business.

When Mike won his judgment for $20,000 he was unsure whether he could collect the entire amount awarded by the court.  His judgment debtors were a small local corporation and its sole stockholder, Anthony.  Mike did his post judgment due diligence and sought to uncover any executable assets that he could find.  He was disappointed to find that the equipment used in conducting the corporation’s business was essentially all leased by the corporation.  Mike could not find any significant assets owned by the corporation that had sufficient equity from which to satisfy his money judgment.  Mike was just as saddened to find that Anthony was also lacking in assets.

It turns out that Anthony had formerly had a run of bad luck a few years before and had lost most of what little wealth he had acquired.  You see, Anthony was a victim of his own poor business management, and he also had lost money when a previous lawsuit against him stripped him of savings.  The only way Anthony had been able to survive financially was because his wife was a decent business woman who successfully managed a small local retail shop.

Anthony’s wife ran her business under the name of “Carolyn’s Treasure Chest.”  Mike knew that Carolyn was the brains of the family, not Anthony.

As Mike pursued his post judgment asset investigation of Anthony and his corporation, Mike was surprised to discover that “Carolyn’s Treasure Chest” was not a corporation owned by Carolyn.  In fact it turned out that Carolyn’s business was a dba that was completely owned by Anthony in his name alone.

This discovery by Mike sent him on a quest to unearth a list of assets from “Carolyn’s Treasure Chest” that could be tapped for the satisfaction of his judgment against Anthony and his other business, the corporation.

Because Carolyn ran a good operation, it was not at all hard for Mike to find more than enough executable assets in that business.  Mike ended up collecting every penny owed to him from his judgment.

Anthony learned the hard way that having his wife’s business in his name was not a necessarily the best idea under the circumstances.  Neither Anthony nor his wife considered her business as vulnerable for the payment of Anthony’s judgment debt, but they should have known better.

Mike collected from a seemingly unrelated business, but not really.  When the judgment debtor owns another business in his own name, it is easily reachable for judgment enforcement.

Mike got paid, and Anthony was fuming about it.  Nevertheless, justice was served!

We posted another article which you may want to read where we talk about collecting judgments where a dba is involved.  We hope you enjoy it.

Bryan,

Read our other judgment collection articles by following the links located here.

Executable Assets Lacking, but Collection Successful

 

I remember having a particularly difficult judgment that I was attempting to collect.  I did my due diligence and performed my asset investigation on my judgment debtor.  The problem was that the scum-bag’s only assets were easily recognized by me as falling into categories qualifying for exemption from execution.  I still got my judgment money.  This is how I was able to say about this judgment “executable assets lacking, but collection successful.”

This judgment was several years old when I bought it.  Once I began my efforts to enforce this judgment, it didn’t take me long to see why the original judgment creditor that sold me the judgment expressed the frustrating opinion that the debtor was absolutely judgment proof.  This was not a very large dollar judgment, and I was determined not to waste time if the deadbeat proved to truly be “execution proof.”

After I came to the conclusion that debtor didn’t have a source of income that could be garnished, and he didn’t have executable assets to be seized, freezed, levied or garnished, I decided to try the only thing that I could to collect my money before the aging judgment expired.  I decided to file papers and execute on those assets which I knew he could be claimed as exempt.

I already knew that in the original lawsuit the debtor-defendant had not been represented by an attorney.  I could also tell from documents in the case file that the debtor was not the sharpest tool in the shed.  He may have been mean and nasty, but he was not a student of the law by any stretch of the imagination.

I guessed that he might not respond in the proper legal fashion, and in the allowable time frame in order to make a lawful and enforceable claim of exemption on my execution against his assets.

Sure enough, I was right!  I filed my papers for execution and he never made a claim of exemption.  The end result was that the Sheriff auctioned the assets that I had discovered, and I ultimately got paid by the court for the judgment debt that I had been owed.

I strongly adhere to the idea that any judgment debtor needs to be thoroughly aware of exemption laws and their possible application by judgment debtors.  I wrote a post on this site a couple of years ago on this very subject.  You can access it here.  Nevertheless, I am living proof that there are times when it is possible to collect a court judgment when the only assets to be found are potentially exempt assets.  I like the word potentially.  If the debtor doesn’t pursue a proper claim of exemption, the potentially exempt assets are as good as non-exempt assets.

Always read the laws and rules that apply to exemptions in whatever jurisdiction applies to your judgment.

Good luck,

Bryan

Click here to return to a listing of all the posts on this site.  You’ll find tons of good reading here on the subject of collecting judgments.

Granny’s Money Judgment Disappointments

This post is a story about a grandmother who won a lawsuit in court but failed to collect the money that the judge ordered.  This story describes the problems which are related to Granny’s money judgment disappointments.

It is hoped that by sharing this story, we can encourage others to take steps which will help them avoid the bad fortune and disappointments that Granny experienced while hoping to collect her judgment money.  We hope you will follow a wise and thoughtful judgment enforcement path that will yield you a much more satisfying result than the one she had.

Granny is a 72 year old widow who lives alone.  She and her late husband George only had one child, a son James, who has lived all of his adult life across the country.  James has his own life to live and rarely gets back home to visit.  Granny has pretty much been on her own since her husband’s death 20 years ago.  She has very limited financial resources.  She does the best that she can to get by and make ends meet for herself and her 2 cats.

About 12 years ago Granny was having some serious issues with water leaks in the roof of her small 1 bedroom house.  She didn’t have a lot of money to get it fixed.  She earned a little bit of extra income doing some housekeeping work at a fast food restaurant nearby.  One day she overheard a conversation between a couple of men who were eating at the restaurant.  Without eavesdropping on the conversation Granny could tell that they were discussing a home repair that one of the two men was about to do for the other gentleman.  At an opportune moment, Granny casually introduced herself to the men.  She let them know that she wasn’t trying to be nosey, but that she had heard enough of their conversation to tell that one of them did home repairs.

The men were friendly and courteous to her.  She casually mentioned that she was in need of some roof repairs at her house.  The contractor handed Granny his business card and invited her to contact him if she wanted to talk to him about getting her repair work done.  She thanked him politely and moved on with her work.

A few days later Granny contacted the repairman, Andy.  They made an appointment for him to stop by and look at her roofing problems.  This led to them agreeing that he would come back and fix the leaks.

When all was said and done, he came and did a little something up on the roof.  Granny paid him the $850 that he said the job would cost.  The man left and never came back.  A couple of day later it rained and the roof leaks were as bad as before the alleged repair had been performed.

When repeated attempts to persuade the Andy to come back and correct the problems failed to get any cooperation, Granny went to the courthouse and filed a small claims suit against him.

On the day of the hearing, Andy failed to show up.  Granny won her case and a default judgment was obtained.  The judgment awarded Granny the entire $850 she paid for the work.  She also was due to be paid for costs.  Her entire judgment was for over $1100.

Granny assumed that since she had won a legal judgment then Andy would have to pay her that amount and pay it promptly.  Boy was she heartbroken and surprised to discover otherwise.  Andy never paid a dime to Granny.  She sent several letters to him demanding payment, but all her writing was in vain.  At one point, granny made a trip to the Clerk of Court’s Office to see if they could help her collect.  No, they could not.  Nor could they give her any legal  advice.

Later, Granny went to visit an attorney that a friend recommended.  He listened politely to her story, but was not interested in pursuing such a small debt.  He recommended another lawyer that he thought might be willing to help.  Granny went to see her.  She was not a specialist in collecting judgments.  She did make some feeble attempts at collecting Granny’s judgment money.  She sent the debtor another demand letter which he ignored just like the previous letters that Granny had sent.

After a decade passed, Granny’s judgment expired.  She never did collect a single cent from Andy.  Once the judgment expired, there was no hope of ever enforcing the money award.  Granny was left high and dry.

When Granny looked back at the whole situation, she had sadly lost the money that Andy cheated her out of, and she had worried and fretted herself to death for ten years trying unsuccessfully to collect her judgment.  All of the experience trying to obtain justice had been a huge waste of time, money, and energy.

The saddest part is that while Andy was evading or simply ignoring Granny for all those years, he continued to cheat other people the same way he cheated Granny.

If Granny had known how to collect her money judgment, it would have saved her a lot of pain and heartache.  If Granny had access to information like what is provided on this blog site, she likely would have enjoyed a much happier outcome.  I wish Granny knew what the readers of this blog have  come to know.  There are indeed legal ways to force a judgment debtor to pay a money judgment.  One has to become aware of the lawful methods of judgment collection, and then apply that knowledge to their particular situation.

I hope none of us finds ourselves in Granny’s shoes.  Let’s all be persistent and go after the judgment money that we deserve.

“Justice for All”

Here’s a link to judgment collection stories that have a happier ending than Granny had.

Bryan

Here is a link to the page listing all of our judgment enforcement articles.

What Is a Writ of Fieri Facias?

Recently a new reader of this blog asked, “what is a Writ of Fieri Facias?”  Though I am not an attorney, I will attempt to provide an answer for my new friend.

A Fieri Facias is a writ that exists in certain of these United States, but not all.  This writ is used by a judgment creditor to collect on a debt or monetary damages awarded by a court.  A Fieri Facias is often spoken of by its abbreviated form which is a Fi Fa.  A Writ of Fi Fa, when issued, instructs a Sheriff or other appropriate enforcing authority to attach or levy from the goods, chattels, and sometimes real estate as needed for the payment of a judgment debt.

Basically a Fi Fa is a Writ of Execution, an order of the court which makes it possible for a judgment creditor to get paid out of certain assets owned by the judgment debtor.

If I own a judgment in a state where a writ of fieri facias is used, then it behooves me to become familiar with the applicable laws and rules of court which apply in my case.  Sometimes there is a different legal term used to mean essentially the same thing.  A writ of  execution in one state may apply in one jurisdiction while a writ of fi fa is the appropriate term in another state.  It is necessary to know and use the correct term that is used where my judgment is being enforced.

If I can use a writ of fi fa, then I need to discover what my debtor’s assets are.  Then I need to seek to get my judgment paid from those assets.

Good luck to both of us in collecting our money.

Bryan

Click here to go to our listing of articles and links to them.

Is a Trust Attachable In Judgment Enforcement?

This is a good question posed to me by a judgment creditor “Is a trust attachable in judgment enforcement?”  My friend, Mike, wanted to know.  He won a money judgment in civil court.  He had become aware that his judgment debtor had a significant amount of money being held in a trust.  Mike wanted to know if he could legally access the funds in the trust so that he could receive payment of his judgment.

The answer to Mike’s question is likely of interest to many other judgment creditors.  To tell you the truth, I suspect that most people have no idea whether or not a trust can be tapped to pay off a money award.  The correct answer is maybe.

There are several factors which determine the answer as it relates to any particular trust.  The factors can vary by state and jurisdiction.  The first thing is to realise that the laws, and rules of procedure that apply to a trust and judgment execution are not the same from state to state.  Make it a point to thoroughly investigate the applicable rules and statutes.

You can access the statutes of all 50 states at this link.

Another basic item to consider is that there are many types of trusts.  Some may be attached and others not.  Generally for a trust to be seized for payment of a judgment, it must be a revocable trust in which the judgment debtor has a beneficial interest.  By the same token, an irrevocable trust probably cannot be seized.

If a judgment debtor’s assets are moved into a trust under circumstances that can be ruled a fraudulent transfer, then the court may allow those assets to be seized no matter what kind of trust is involved.

Sometimes it can be difficult to determine for sure whether your judgment debtor is truly a beneficiary of a particular trust.  Public records of some trusts will only list the person who is the trustee while keeping the beneficiary anonymous.  It may be possible in those cases to get a court order or subpoena in order to have the actual beneficiary unmasked.  If the trustee and beneficiary want to fight it out in court then they may make it legally more difficult to discover the beneficiary.  However that certainly does not mean they will ultimately succeed in hiding the identify of the person having a beneficial interest.

Of the various reasons to create a trust, one of them would be to make it more difficult for anyone to reach the assets of the trust.

Can trust assets be reached by execution of a money judgmentIt does happen.  Sometimes, it is simple to accomplish.  Other times it can be difficult or impossible.

One would be wise to invest a little time and money with a well qualified attorney who has previously succeeded in attaching trust assets to help wade through the complexities of the subject.

I would encourage my friend Mike or anyone with a judgment to consider the possibilities of seizing judgment debtor assets held in a trust.  It might be the best source of debtor money which could pay the judgment debt.

In your post judgment asset investigation don’t fail to uncover any trusts.  Good luck.

Bryan

Click here to find links to all of our articles on collecting judgments.