I Got My Judgment!  (Now how do I get paid?) August 6, 2009 Brenda Terreault NACM Oregon
Extent and effect of small claims judgment <ul><li>Prevailing party may be entitled to small claims filing fees and servic...
In (or right after) Court <ul><li>If the debtor was in court with you </li></ul><ul><ul><li>Ask in front of the judge for ...
Demand Letter <ul><li>Receive notice of Entry of Judgment  </li></ul><ul><li>Send a written demand for payment </li></ul><...
Arrangements with Debtor <ul><li>Offer to settle this with debtor for a lesser amount </li></ul><ul><ul><li>Why? </li></ul...
How to collect after Judgment <ul><li>Execution alternatives may be available if </li></ul><ul><ul><li>Judgment is not pai...
Asset research <ul><li>What are you looking for and how do you find it? </li></ul><ul><ul><li>Lots of free search engines ...
Real Property Liens <ul><li>Positives – Can’t sell the property without you knowing </li></ul><ul><li>Negatives – in this ...
Lien effect of small claims judgments <ul><li>Generally, if award is less than $10, without costs, no judgment lien </li><...
Transcription of Judgment: <ul><li>Attach debtor’s real property  </li></ul><ul><ul><li>Judgment under $3,000 must be tran...
Transcription of Judgment: <ul><li>Attach debtor’s real property in another county </li></ul><ul><ul><li>Judgment entered ...
Personal Property Liens <ul><li>Positives – Everyone has personal property </li></ul><ul><li>Negatives – Notice to general...
Wage Garnishments <ul><li>Positives – Can get a stream of payments over 90 days </li></ul><ul><li>Negatives – State’s disp...
Bank Garnishments <ul><li>Positives – Garnish the whole thing </li></ul><ul><li>Negatives – Writ good for only one attempt...
Writ of Garnishment (if you know defendant’s bank or job)  <ul><li>Issued by the court or an attorney.  </li></ul><ul><ul>...
Writ of Garnishment (if you know defendant’s bank or job)  <ul><li>If the Washington County Sheriff or a process server wi...
Debtor exams <ul><li>Positives – Ask the questions </li></ul><ul><li>Negatives - Lies </li></ul><ul><li>Pitfalls </li></ul...
Debtor Exams <ul><li>When you don’t know where: </li></ul><ul><ul><li>Debtor(s) assets are located  </li></ul></ul><ul><ul...
Debtor Exams <ul><li>Question the debtor about assets </li></ul><ul><ul><li>NOT in front of a judge </li></ul></ul><ul><ul...
Debtor exams <ul><li>Lies </li></ul><ul><ul><li>Not under oath or before a judge </li></ul></ul><ul><ul><li>Don’t ask if y...
Motion to Show Cause <ul><li>Positives – Subpoena power, before a judge </li></ul><ul><li>Negatives – Expense and time, ge...
Getting help from the Courthouse <ul><li>Why courthouse employees aren’t going to help much </li></ul><ul><li>2007  Multno...
Show Cause (if defendant fails to appear for debtor exam) <ul><li>Before filing for a show cause </li></ul><ul><ul><li>RES...
Show Cause (if defendant fails to appear for debtor exam) <ul><li>Typical steps: </li></ul><ul><ul><li>File Motion For Ord...
Check for individual state’s remedies For instance
Oregon DMV License Suspension <ul><li>Damages arise from motor vehicle accident  </li></ul><ul><li>Debtor doesn’t satisfy ...
Satisfactions <ul><li>A form filed by judgment creditor  </li></ul><ul><ul><li>Acknowledges debt has been paid  </li></ul>...
Satisfactions <ul><li>A judgment debtor may have difficulty getting a judgment satisfied by a creditor for various reasons...
Questions? [email_address]
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I Got My Judgement, Now How Do I Get Paid?

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Information on how to get paid after receiving your judgement.

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I Got My Judgement, Now How Do I Get Paid?

  1. 1. I Got My Judgment! (Now how do I get paid?) August 6, 2009 Brenda Terreault NACM Oregon
  2. 2. Extent and effect of small claims judgment <ul><li>Prevailing party may be entitled to small claims filing fees and service expenses paid </li></ul><ul><li>Possible setoff allowed to debtor not to exceed amount of plaintiff’s claim </li></ul><ul><li>Generally small claims judgment is conclusive - no appeal – except for defaults </li></ul><ul><li>Small Claims Judgment treated as Circuit Court judgment </li></ul>
  3. 3. In (or right after) Court <ul><li>If the debtor was in court with you </li></ul><ul><ul><li>Ask in front of the judge for payment </li></ul></ul><ul><ul><li>Ask in front of the judge to speak with the debtor </li></ul></ul>
  4. 4. Demand Letter <ul><li>Receive notice of Entry of Judgment </li></ul><ul><li>Send a written demand for payment </li></ul><ul><ul><li>Must be served by certified mail, return receipt requested. </li></ul></ul><ul><ul><li>Keep copy of letter and signed receipt card </li></ul></ul><ul><li>Simply state that you are making a demand for payment within 10 days and give the debtor the total balance due </li></ul>
  5. 5. Arrangements with Debtor <ul><li>Offer to settle this with debtor for a lesser amount </li></ul><ul><ul><li>Why? </li></ul></ul>
  6. 6. How to collect after Judgment <ul><li>Execution alternatives may be available if </li></ul><ul><ul><li>Judgment is not paid immediately </li></ul></ul><ul><ul><li>Judgment is not paid within the time requested by judgment creditor </li></ul></ul>
  7. 7. Asset research <ul><li>What are you looking for and how do you find it? </li></ul><ul><ul><li>Lots of free search engines out there </li></ul></ul><ul><ul><li>Credit reports and other fee-based searches </li></ul></ul>
  8. 8. Real Property Liens <ul><li>Positives – Can’t sell the property without you knowing </li></ul><ul><li>Negatives – in this economy, property is upside down. Lien may disappear, but judgment remains </li></ul><ul><li>Pitfalls </li></ul><ul><ul><li>Expense </li></ul></ul><ul><ul><li>Knowing where the property is located </li></ul></ul><ul><ul><li>Being too far down the “list” </li></ul></ul><ul><ul><li>Cost of foreclosure v benefit of foreclosure </li></ul></ul><ul><ul><li>Renewing judgment and lien </li></ul></ul>
  9. 9. Lien effect of small claims judgments <ul><li>Generally, if award is less than $10, without costs, no judgment lien </li></ul><ul><li>If award between $10 and a specific statutory amount, without costs, judgment creditor may create a judgment lien </li></ul><ul><li>If award is more than a specific statutory amount and meets other legal requirements, court clerk shall enter judgment into circuit court register which creates a judgment lien </li></ul><ul><li>Creditor can then also create a lien in other counties </li></ul>
  10. 10. Transcription of Judgment: <ul><li>Attach debtor’s real property </li></ul><ul><ul><li>Judgment under $3,000 must be transcribed to the judgment docket of the Circuit Court. </li></ul></ul><ul><ul><ul><li>File a request in writing with the court in the second county </li></ul></ul></ul><ul><ul><ul><li>Fee to have judgment transcribed </li></ul></ul></ul>
  11. 11. Transcription of Judgment: <ul><li>Attach debtor’s real property in another county </li></ul><ul><ul><li>Judgment entered and docketed in any county </li></ul></ul><ul><ul><ul><li>File a request in writing with the court in the second county ORS 18.152. </li></ul></ul></ul><ul><ul><ul><li>Fee to have judgment transcribed </li></ul></ul></ul><ul><li>Attach Debtor’s property in another state </li></ul><ul><ul><li>Domesticate the judgment in the other state </li></ul></ul>
  12. 12. Personal Property Liens <ul><li>Positives – Everyone has personal property </li></ul><ul><li>Negatives – Notice to general public </li></ul><ul><li>Pitfalls </li></ul><ul><ul><li>Expense </li></ul></ul><ul><ul><li>Finding enough attachable personal property of value to cover the judgment and costs </li></ul></ul><ul><ul><li>Foreclosing on personal property </li></ul></ul><ul><ul><li>Bona fide purchasers for fair value </li></ul></ul>
  13. 13. Wage Garnishments <ul><li>Positives – Can get a stream of payments over 90 days </li></ul><ul><li>Negatives – State’s disposable income calculation </li></ul><ul><li>Pitfalls </li></ul><ul><ul><li>Expense </li></ul></ul><ul><ul><li>Knowing debtor’s workplace </li></ul></ul><ul><ul><li>Debtor’s unemployment </li></ul></ul><ul><ul><li>Working under the table </li></ul></ul><ul><ul><li>Government agencies garnishing first </li></ul></ul>
  14. 14. Bank Garnishments <ul><li>Positives – Garnish the whole thing </li></ul><ul><li>Negatives – Writ good for only one attempt, and not good against exempt funds </li></ul><ul><li>Pitfalls </li></ul><ul><ul><li>Expense </li></ul></ul><ul><ul><li>Knowing which bank and branch </li></ul></ul><ul><ul><li>Exemptions and hearings </li></ul></ul>
  15. 15. Writ of Garnishment (if you know defendant’s bank or job) <ul><li>Issued by the court or an attorney. </li></ul><ul><ul><li>Forms - Writ of Garnishment, Debt Calculation, Garnishment Response, Challenge to Garnishment. </li></ul></ul><ul><ul><ul><li>Fill in, sign and submit it to the court with appropriate fee </li></ul></ul></ul><ul><ul><ul><li>Clerk reviews, signs and stamps the writ with court seal </li></ul></ul></ul><ul><ul><ul><ul><li>Two weeks - large number of garnishments processed. </li></ul></ul></ul></ul><ul><ul><ul><ul><li>If self addressed, stamped envelope is provided, clerk will return garnishment to you by mail. </li></ul></ul></ul></ul><ul><ul><ul><li>There is a fee for each writ issued. </li></ul></ul></ul>
  16. 16. Writ of Garnishment (if you know defendant’s bank or job) <ul><li>If the Washington County Sheriff or a process server will be serving garnishment </li></ul><ul><ul><li>Original pages plus 3 copies of the Writ of Garnishment form only. </li></ul></ul><ul><ul><li>Additional fees to Sheriff's Department for service </li></ul></ul><ul><ul><li>If garnishing a bank account, bank will also charge an additional fee. </li></ul></ul>
  17. 17. Debtor exams <ul><li>Positives – Ask the questions </li></ul><ul><li>Negatives - Lies </li></ul><ul><li>Pitfalls </li></ul><ul><ul><li>Expense </li></ul></ul><ul><ul><li>Get little in return </li></ul></ul><ul><ul><li>Debtor may not show up </li></ul></ul><ul><ul><li>Court may not care </li></ul></ul>
  18. 18. Debtor Exams <ul><li>When you don’t know where: </li></ul><ul><ul><li>Debtor(s) assets are located </li></ul></ul><ul><ul><li>Where Debtor works </li></ul></ul><ul><ul><li>Where Debtor banks </li></ul></ul>
  19. 19. Debtor Exams <ul><li>Question the debtor about assets </li></ul><ul><ul><li>NOT in front of a judge </li></ul></ul><ul><ul><li>File Motion and Order, attach copy of demand letter and receipt card </li></ul></ul><ul><ul><ul><li>Demand letter returned as undeliverable - DON’T OPEN IT </li></ul></ul></ul><ul><ul><ul><li>Attach it to the motion </li></ul></ul></ul><ul><ul><li>Submit to a judge for signature </li></ul></ul><ul><ul><li>Serve on debtor </li></ul></ul><ul><ul><li>File Proof of Service with the court </li></ul></ul>
  20. 20. Debtor exams <ul><li>Lies </li></ul><ul><ul><li>Not under oath or before a judge </li></ul></ul><ul><ul><li>Don’t ask if you don’t know the answer </li></ul></ul><ul><li>Debtor fails to appear </li></ul><ul><ul><li>Court may give debtor additional opportunities to appear. </li></ul></ul><ul><ul><li>Court may issue a bench warrant </li></ul></ul><ul><ul><ul><li>Last thing on Sheriff’s “to do” list </li></ul></ul></ul>
  21. 21. Motion to Show Cause <ul><li>Positives – Subpoena power, before a judge </li></ul><ul><li>Negatives – Expense and time, getting the court to do them </li></ul><ul><li>Pitfalls </li></ul><ul><ul><li>Expense </li></ul></ul><ul><ul><li>Very tricky </li></ul></ul><ul><ul><li>Courts hate these </li></ul></ul>
  22. 22. Getting help from the Courthouse <ul><li>Why courthouse employees aren’t going to help much </li></ul><ul><li>2007 Multnomah County Court 423,800 cases </li></ul><ul><li># of cases Judicial time % of caseload </li></ul><ul><li>Parking 227,400 2% 53% </li></ul><ul><li>Criminal 144,400 43% 34% </li></ul><ul><li>Family 8,500 29% 2% </li></ul><ul><li>Civil 40,400 26% 9% </li></ul>
  23. 23. Show Cause (if defendant fails to appear for debtor exam) <ul><li>Before filing for a show cause </li></ul><ul><ul><li>RESEARCH WHAT THIS PROCESS CAN DO FOR YOU </li></ul></ul><ul><ul><li>Make sure you know the proper steps </li></ul></ul><ul><ul><li>Court clerks are unable to assist and WILL NOT ANSWER QUESTIONS. </li></ul></ul><ul><li>Show Cause will bring defendant before a judge to answer questions regarding their assets. </li></ul>
  24. 24. Show Cause (if defendant fails to appear for debtor exam) <ul><li>Typical steps: </li></ul><ul><ul><li>File Motion For Order to Show Cause, Affidavit For Issuance of Order to Show Cause and an Order to Show Cause </li></ul></ul><ul><ul><li>Contact the Court Calendaring Office and request a hearing date prior to filing Motion </li></ul></ul><ul><ul><li>Put that date in order and file paperwork with the Court Court clerk will submit the forms to a judge for signature </li></ul></ul><ul><ul><li>Once this paperwork is signed, have the paperwork served on debtor personally </li></ul></ul><ul><ul><li>File Proof of service with the court immediately in order to proceed with the show cause hearing date </li></ul></ul>
  25. 25. Check for individual state’s remedies For instance
  26. 26. Oregon DMV License Suspension <ul><li>Damages arise from motor vehicle accident </li></ul><ul><li>Debtor doesn’t satisfy within 60 days of entry of judgment </li></ul><ul><li>Creditor requests in writing that court send a certificate to Driver and Motor Vehicles Services (DMV) stating such. </li></ul><ul><ul><li>Must include Debtor’s drivers license number </li></ul></ul><ul><li>DMV suspends debtor’s license to drive until court notifies that the judgment is paid. </li></ul>
  27. 27. Satisfactions <ul><li>A form filed by judgment creditor </li></ul><ul><ul><li>Acknowledges debt has been paid </li></ul></ul><ul><ul><li>Available at court or legal stationery stores </li></ul></ul><ul><ul><li>Notarized document. A court clerk can notarize the signature of a creditor if shown proof of identification. </li></ul></ul>
  28. 28. Satisfactions <ul><li>A judgment debtor may have difficulty getting a judgment satisfied by a creditor for various reasons. </li></ul><ul><ul><li>Judge’s order to satisfy the judgment </li></ul></ul><ul><ul><li>No court fee to file a satisfaction. </li></ul></ul>
  29. 29. Questions? [email_address]

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