Key Takeaways
- Define the population and seller authority before outreach.
- Build assignment, ownership, balance, court, and enforcement records.
- Start with an aggregate profile and controlled confidentiality.
- Compare complete proposals, including transfer duties and retained obligations.
1. Define the sale perimeter
Record judgment type, jurisdictions, cutoff date, count or balance, eligibility rules, exclusions, and seller authority. This is a narrower support article for the off-market judgment protocol, not a competing hub.
2. Build the assignment file
Organize original judgments, assignment instruments, chain of title, authority to transfer, court information, balance basis, payment history, and enforcement activity. Identify missing or inconsistent materials before a buyer process begins.
3. Prepare controlled disclosure
Start with aggregate, non-PII information. Establish confidentiality, permitted use, file access, and question rules before releasing debtor-level records to an appropriately screened counterparty.
4. Coordinate diligence and terms
Manage buyer questions, record exceptions, compare complete proposals rather than headline price, and define assignment mechanics, representations, enforcement or servicing responsibilities, conditions, and transfer deliverables.
5. Preserve professional boundaries
Jurisdiction-specific assignment, enforcement, tax, accounting, privacy, and compliance questions belong with qualified professionals. Fitzgerald’s role depends on the engagement and does not guarantee a buyer, bid, price, recovery, or closing.
Questions buyers and sellers ask
How much can you sell a judgment for?
There is no reliable universal percentage or price. A review may consider documented balance, payment and enforcement history, jurisdiction, assignment quality, file completeness, costs, timing, disputes, and buyer requirements. Fitzgerald Advisors does not publish a guaranteed price or recovery figure from a general question.
Frequently Asked Questions
Should sellers send full court files immediately?
No. Begin with aggregate business information and use staged diligence with appropriate confidentiality and access controls.
Is every judgment transferable?
No. Transferability depends on the judgment, documents, parties, jurisdiction, restrictions, and applicable requirements.
Discuss a judgment portfolio sale mandate
Share judgment type, approximate population or balance, jurisdictions, documentation condition, seller objective, authority, and timing at a high level.
Confidential review form
Educational disclaimer: This article is general information, not legal, tax, accounting, investment, lending, servicing, collection, or transaction-specific advice. Requirements vary by asset, party, and jurisdiction. No price, recovery, return, buyer, or closing outcome is guaranteed.