CONSUMER DEBT - We do not handle judgments stemming from consumer debt. Due to a number of factors, including the enactment of Senate Bill 908, we cannot accept this type of judgment. According to Civil Code §1788.2 (f), a consumer debt is defined as “money, property or their equivalent, due or owing or alleged to be due or owing from a natural person, by reason of a consumer credit transaction.” [See blogpost SB 908.]

A consumer debt, generally, will include judgments for the following: credit card debt, attorney fees for personal matters, medical expenses, personal loans, etc. If your judgment comes under the aforementioned categories we legally cannot accept your judgment. A third party collecting consumer debts must hold either a special license from the state. Due to a number of factors, we have opted out. Note that debts incurred by a business or for a business purpose are not considered consumer debt.

What judgments may we consider? Civil n judgments (limited and unlimited), criminal, probate and in some cases, small claims. Each judgment is carefully evaluated to see if it is a good fit.