We Buy Judgments: Cash for Your Unpaid Court Judgment
We buy non-consumer civil judgments nationwide and turn your court victory into immediate cash — no upfront fees, zero risk.
Want out of the waiting game? sell your judgment for cash and let us take it from here.
How It Works
Our nationwide judgment purchase process is simple and transparent. From submission to payment, we handle everything—no chasing debtors, no legal fees, no uncertainty.
Submit
Send us your judgment details through our secure form. We respond within 1 business day.
We Review
Our team evaluates the judgment validity, debtor assets, and enforcement potential.
You're Paid
Accept our cash offer, sign the assignment, and get paid. Most purchases close in 4–8 weeks.
See each step of the purchase process in detail, estimate what your judgment may be worth with our judgment value calculator, or compare enforcing a judgment yourself against selling it.
Two Ways We Buy Judgments
We buy the judgment either way. Outright or on contingency, the assignment transfers the judgment to Great Lakes Strategic Capital, so you are never left holding an enforcement bill for a debt someone else owes.
Outright purchase
We agree on a price, you sign the assignment, and you are paid at closing. The judgment becomes ours, along with every cost and risk of collecting it. One price, one payment, no further involvement.
Contingency purchase
The price is tied to what the judgment actually recovers: you are paid over time, in amounts based on what comes in, so the total can surpass a flat offer if the debtor pays more than expected. Ownership still transfers to us at assignment.
Both structures are normal among judgment buyers and companies that buy judgments, and the right one depends on the debtor and on how much certainty you want. Ask any buyer you talk to whether the number they quote is a flat purchase price or a contingency purchase price, because that difference matters more than the headline figure.
When you are comparing options for selling judgments for cash, the terms of the assignment are what protect you: who owns the judgment, who pays the filing and enforcement costs, and what happens if the debtor never pays. We put those on the table before you sign anything.
How We Price a Judgment
Every judgment is priced individually. There is no flat percentage and no formula that fits every case. We weigh the same factors any buyer of an asset weighs: how much is realistically recoverable, how long recovery will take, and what it will cost to get there.
Judgment amount
Larger balances can support a stronger offer, but size alone does not set the price. A large judgment against a debtor with no reachable assets can be worth less than a smaller one against a debtor with steady income.
Debtor assets and income
The single biggest factor. Known real estate, bank accounts, employment, or business receivables all improve an offer. Where assets can be identified, we can move quickly.
Collectability and jurisdiction
State law matters. Enforcement periods, wage garnishment availability, and homestead exemptions all shape what is realistically recoverable. Some states make collection straightforward; others require bank levies and liens instead.
Judgment age and status
A recent judgment against a solvent debtor is worth more than an old one nearing its enforcement deadline. Renewals, appeals, and pending motions to vacate all affect risk.
Documentation
A clean file — signed judgment, proof of service, payment ledger — speeds review and strengthens an offer. Missing documents are not disqualifying, but they add work.
Prior collection efforts
What you have already tried tells us a great deal about the debtor. Garnishments that came up empty, failed debtor exams, and settlement attempts all inform our assessment.
We respond within 1 business day with a clear, no-obligation cash offer and an explanation of how we arrived at it. For a quick starting point, use our judgment value calculator.
Civil Judgments We Buy Nationwide
- •Judgments more than $3,000
- •Business-to-business contract disputes
- •Commercial landlord judgments
- •Contractor and service provider claims
- •Individual non-consumer judgments
- •Fraud and breach of fiduciary duty
- •Property damage awards (non-consumer)
- •Personal judgments from business deals
Consumer Debts We Do NOT Buy
- •Consumer credit card debt
- •Medical bills or healthcare debt
- •Student loan obligations
- •Personal loans to individuals
- •Child support or alimony
- •Any debt covered by FDCPA/FCRA
- •Small claims judgments under $3,000
See how enforcement and selling work where you are with our judgment recovery guides by state, or read our attorney referral program if you represent a creditor.
Wayne S. Bisard
Owner & Operator
Meet the Owner
- U.S. Marine Corps Veteran
- 31+ Years Investigative Experience
- President, Michigan Council of Professional Investigators
You've already spent time and money winning your case. Once we buy your judgment, it's ours. You're paid and done.