Eighty Percent of Small Claims Cases and Bad Debts Are Not Pursued
Small Claims » Eighty Percent of Small Claims Cases and Bad Debts Are Not Pursued
This is true for so many Americans:
- Someone does you wrong
- You go to small claims or civil court
- The court decides to award you
- You never see any compensation.
Although the civil system is set up to allow you to receive money owed to you, nothing in the manual says that it isn't going to hard. Civil court allows access to simple information on filing wage garnishments, bank garnishments, liens, and other ways of recovering the money you were awarded in court, but the information given to you will not teach you everything you need to know. Therefore, we are left with only a few options:
- Be defeated by your debtors (Never recover your money)
- Spend all of your time trying to learn how to collect your money yourself
- Call an attorney and spend your hard earned money on a retainer plus hundreds per hour fees
- Hire a Collection Agency
Although collection agency service isn't very difficult to learn once you learn how to do it, the process can be worth the effort. You would think that judgment is awarded to you, the small claims court would make it less complicated for you to collect the funds that you are owed.
The courts offers pamphlets to you explaining what your rights are as a debtor. Try to find out information from one of the court clerks how you find the bank information of the debtor or the process to garnish the debtors wages, and you will find a familiar answer - 'we do not give legal advice'.
The easiest and fastest way to get all of the important contact information and other important facts about the debtor is a process called skip tracing. The process of skip tracing involves pulling a credit report on the debtor, and playing private detective to put all of the pieces together. One of the obstacles a collector will run into is that almost all credit reporting agencies will not allow you to pull a credit report on someone if you don't own or operate a legitimate company that complies with FRCA laws and regulations.
If you use a judgment recovery service, they will recover your money with with no out-of-pocket fees, and absolutely no fees unless the money owed to you is recovered. Unlike lawyers who charge a per hour fee, whether or not they are able to collect your fees.
We recommend letting a professional National Collection Agency handle your outstanding debts for the most effective and efficient no-upfront cost way to collect on monies owed to you.
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