Sell Your Michigan Civil Judgment for Cash
Won a court judgment in Michigan but can't collect? Great Lakes Strategic Capital purchases non-consumer civil judgments statewide — giving you immediate cash with no upfront fees and no collection risk. We respond within 1 business day.
Michigan Civil Judgment Law — Key Facts
Enforcement Period
6 yrs (small claims) / 10 yrs (record courts)
Renewable by filing an action on the judgment before the period expires (MCL 600.5809(3)).
Post-Judgment Interest
1% over 5-yr Treasury note rate
Reset every January 1 and July 1. Judgments on a written contract may carry the contract rate, up to 13% per year (MCL 600.6013).
See current rates →Wage Garnishment
Available, subject to federal wage-garnishment limits.
Homestead Exemption
$3,500 against judgment levy (MCL 600.6023(1)(g)); higher amounts apply only in bankruptcy
Statutes: MCL 600.5809; MCL 600.6013; MCL 600.6023
Last reviewed: October 2026. This is general information, not legal advice.
Why Sell Your Michigan Judgment Instead of Collecting?
In Michigan, you have up to 6 yrs (small claims) / 10 yrs (record courts) to enforce a civil judgment — but enforcement requires time, legal resources, and often multiple court proceedings across different tools: wage garnishments, bank levies, and property liens.
Post-judgment interest accrues at 1% over 5-yr Treasury note rate, which adds value over time — but only if the debtor actually has assets you can reach. Many debtors actively avoid collection by hiding assets, changing employment, or depleting bank accounts.
Selling your Michigan judgment to Great Lakes Strategic Capital converts that uncertain future recovery into an immediate, guaranteed cash payment. We handle all enforcement risk, legal costs, and debtor contact after the assignment is complete.
Immediate Lump-Sum Payment
Get paid now — no waiting years for collection to succeed
Zero Upfront Fees
Free evaluation, free offer. No cost to you at any point.
We Absorb All Risk
Once assigned, enforcement risk is entirely ours. Your payment is guaranteed.
Multi-Tool Enforcement
We use all available Michigan tools: wage garnishment, bank levies, and real property liens.
Michigan Judgments We Buy
- Michigan business-to-business contract disputes
- Commercial landlord / unpaid rent judgments
- Contractor and professional fee judgments
- Fraud and misrepresentation awards
- Partnership and shareholder disputes
- Property damage (commercial)
- Minimum $3,000 judgment amount
- All court levels in Michigan
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
- ✕Judgments under $3,000
- ✕Already satisfied or discharged judgments
How to Sell Your Michigan Judgment — 4 Simple Steps
Submit Online
5 minutes — share basic judgment details through our secure form
Free Review
We evaluate your Michigan judgment, debtor profile, and collectability at no charge
Cash Offer
We respond within 1 business day with your personalized cash offer
Get Paid
Sign the assignment, receive payment by wire or check. Done.
Michigan Judgment Recovery — FAQ
How long is a civil judgment enforceable in Michigan?
In Michigan, civil judgments are generally enforceable for 6 yrs (small claims) / 10 yrs (record courts). Judgments can typically be renewed before expiration to preserve enforceability. Cite: MCL 600.5809; MCL 600.2809.
What post-judgment interest accrues on my Michigan judgment?
Michigan judgments accrue post-judgment interest at 1% over 5-yr Treasury note rate. This interest is added to the unpaid principal balance from the date of judgment entry, increasing the total owed if the debtor does not pay promptly.
Is wage garnishment available in Michigan?
Yes. Michigan allows wage garnishment for civil judgments, generally limited to 25% of the debtor's disposable earnings under both state and federal law. Specific exemptions may apply.
What is the homestead exemption in Michigan?
Outside bankruptcy, Michigan protects only $3,500 of a debtor's homestead from levy and sale on a judgment (MCL 600.6023(1)(g)). The larger amounts often quoted online apply only when a debtor files bankruptcy. Property held by a married couple as tenants by the entirety generally cannot be reached for a debt owed by only one spouse.
Can I sell my Michigan civil judgment?
Yes. Judgment assignment is legal in Michigan and nationwide. Great Lakes Strategic Capital purchases qualifying non-consumer civil judgments entered in Michigan courts. Contact us at (517) 698-8273 or submit your judgment online for a free evaluation.
Related Resources for Michigan
Selling Your Michigan Judgment
Judgment Recovery in Neighboring States
Michigan Judgment Articles
Guides for creditors holding Michigan judgments — selling, enforcement and collection.
Legal Disclaimer: The information on this page is for general informational purposes only and does not constitute legal advice. Judgment enforcement laws change frequently. Always consult a licensed attorney in Michigan before taking enforcement action. Great Lakes Strategic Capital is not a law firm and does not provide legal advice.
You've already spent time and money winning your case. Once we buy your judgment, it's ours. You're paid and done.