Someone was knocking at the door and I’d barely heard it in my sleep. The muffled sounds persisted through the house, rounding corners, down the hall, into my room. We were all asleep and the house was quiet . . . until faint knocking, late one night.

A default means you won your lawsuit. In many ways, this is good news – the judge ruled in your favor, there were no delays, no extra expenses, and you didn’t have to hear or read the debtor’s lies in court.

A lot of times my clients will tell me, “It’s the principle of the thing”. It’s not. If you’re debtor isn’t paying you, let me assure you they know exactly what they’re doing. They either feel very guilty about not being able to pay you, or they don’t. Either way, trying to teach them a lesson about paying their debts is an exercise in futility that would either be wholly unnecessary or lost on oblivious debtors.

3) Search for books on the internet for how to become a become a process server. You will find a few veterans who have put together some self-starter books on the business of process serving. Look for books that cover how to start the business, what to say to attorneys, how to serve once you receive work, and what to do once you have completed a job. These are the types of books you can carry around with you in the field.

Where does he work? What’s his work history like. If he has worked a minimum wage job for less than a year, then a wage garnishment is going to be ineffective. He’s likely to just pick up and move across the street to the next minimum wage job. If he has a 10 year service record for a local employer, a wage garnishment may be a real possibility.

Foreclosure – a legal process that the bank takes when you stop making your mortgage payment. This process would enable the bank to, in the end, repossess your home. The actual timing and when they would start the process depends on your state laws. Say for example, if you haven’t been making payments for 2 months, then on the 3rd month they could start the process.

4) Give up. Especially if the amount owed is less than $500 and/or the debtor cannot be located, or they won’t settle at any price. It’s not cost-effective to sue for tiny amounts. Of course, if money is no concern to you, you can spend $500 on a PI to find them, $200-$600 to serve and sue them, then give up 50% to a judgment enforcer to get (at most) $250 back.

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