Winning a judgment is a significant victory—but it’s just the beginning. Often, debtors refuse or delay payment even after a court orders them to pay. This can be frustrating and financially damaging.
If you’re facing a debtor who won’t pay voluntarily, there are legal steps you can take to enforce your judgment and get the money you’re owed.
Understand Why Debtors Refuse to Pay
Debtors may refuse payment for various reasons:
- Financial hardship or insolvency
- Disputes about the judgment’s validity
- Attempts to delay or avoid payment
- Lack of awareness of enforcement consequences
Knowing their motivation helps in choosing the right enforcement strategy.
Enforcement Options When Debtors Don’t Pay
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File for Wage Garnishment
If the debtor is employed, wage garnishment can force a portion of their income to be paid directly to you.
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Bank Account Levy
Seizing funds directly from the debtor’s bank accounts can be effective if you know where they bank.
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Place a Judgment Lien
A lien on the debtor’s real estate can prevent property sale or refinancing until the debt is paid.
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Conduct a Debtor Examination
A court-ordered debtor examination can reveal hidden assets or income sources.
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Seize and Sell Assets
In some cases, you may be able to have the court authorize the seizure and sale of personal property.
The Risks of Ignoring Refusal to Pay
If you don’t act:
- The debtor may continue to avoid payment indefinitely.
- The judgment may expire before you collect.
- You lose leverage and legal rights.
Why You Need a Judgment Collection Attorney
An attorney can help:
- Navigate complex enforcement procedures
- Identify the most effective collection methods
- Prevent or challenge debtor attempts to hide assets
- Act quickly to protect your rights before the judgment expires
Conclusion
Debtor refusal to pay after judgment is common but not insurmountable. With the right legal strategies and professional assistance, you can enforce your judgment and recover what you’re owed. We recommend Judgement Collection Attorney.
