The collections process often involves converting a promise to pay based on contract into a legal judgment that can be executed against the debtor’s assets. A judgment is a legal document signed by a judgment stating that the debtor has been determined to owe the debt. Having a judgment allows the creditor to pursue post-judgment remedies to collect the debt. The debtor may be required to provide financial information. The debtor’s bank accounts may be garnished and the sheriff may levy on cars and other assets.
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