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Thousands of small claims court judgment holders are frustrated because they have won in court, but they cannot collect the money that is due them. The judge says that they won the case and then.. NOTHING HAPPENS. The defendant doesn’t pay and the winner has no recourse to collect.
Until a few years ago, the three national credit reporting bureaus picked up information about court judgments and reflected the information in the debtor’s credit report. These days Trans Union, Experian and Equifax no longer pick up and report on court judgments. So it is possible to win in court and the defendant has no mark on his credit report.
Of course a judgment entitles you to seize a bank account or garnishee the debtor’s paycheck. But only the most organized and knowledgeable creditors can get that done.
The best alternative for small claims judgment holders is to contract with a collection agency that is authorized to report the account to the national credit bureaus. The problem has always been that to use a collection agency you had to give up 30, 40 or even 50% of the money when they recovered it.
Credit Report It has contracted with NCSPlus Incorporated, a national debt collection agency that will ethically and systematically pursue a judgment for you and if the debtor does not pay, they will place the judgment claim on all of the three national credit reporting bureaus. And, they will pursue the claim and list the debt for a low fixed fee per claim. No percentage is charged. You can use the service for only $150.00 or less per claim. And the claim will remain on the credit report for up to six and a half years!
NCSPlus is licensed and bonded as a collection agency throughout the country. Collection agencies are required to follow strict federal guidelines regulating the collection of debts. The Fair Debt Collection Practices Act, The Consumer Financial Protection Bureau (CFPB) the FTC and State Attorney Generals regulate what collection agencies can and cannot do to recover your money. NCSPlus maintains the highest ethical standards and has an “A” rating at the Better Business Bureau. And they have been doing this sort of work since 1984 for thousands of creditor clients throughout the USA.
To find out how you can use NCSPlus to recover your small claims judgment click here.
If you need to speak with an NCSPlus representative, they are available business hours M-F, 9-5 ET (212) 213-3000 Ext. 2000.
