Here is a fast, cheap and effective way to collect on a court Judgment if you accept regular checks from companies or one-person enterprises in the course of doing business.
If you use the following information wisely it can save you MUCH time, money and aggravation.
Here's what you need to do.
Each and every time you receive a personal or certified check make a **photocopy** of it before you deposit it.
Why, photocopy the check?
Because, if one day, they run-up a sizeable account balance and for whatever reason decide not to pay you, then you may be forced to file suit against them in order to get back what is owed to you. Once you've gotten a judgment against them, put the following into immediate action.
One of the BEST legal ways you can collect on a judgment is to obtain something called a writ of garnishment, which is an order from the court that requires the debtor's bank to give you the money in the debtor's account to pay the judgment.
However, you can only use this maneuver if you know what bank the debtor uses.
It's not necessary to incur additional legal costs (and attorney fees) in the attempt to gain this information because you have a copy of one of their checks already on file. This method of having a copy of their check already "on file" is simply much faster, easier, and a whole lot cheaper.
By using this simple but effective legal strategy you can (in most cases) arrange for the garnishment to be issued on the same day that the judgment was entered.
IMPORTANT: Make a photocopy of your customer's checks and place them in a special folder or file. You may never need to use it, but if you do, you'll be in a strong legal position to get hold of your funds without delay and further costs.
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