Sell Your Judgment
in Florida

Why Florida judgments are so hard to collect

Florida’s homestead protection has no dollar limit. A debtor’s home is protected no matter what it’s worth, up to half an acre inside a city or 160 acres outside one. Florida also protects most of the wages of a “head of family” who supports a dependent. Retirement accounts, annuities, and the cash value of life insurance are generally off-limits too. And property a married couple owns together as “tenants by the entirety” usually can’t be reached for a debt that only one spouse owes.

That’s why so many Florida judgments sit uncollected, and why selling can make sense. If you have an unpaid judgment, ask Final Verdict Solutions for a cash offer on your Florida judgment.

What still works in Florida

Florida judgments aren’t hopeless. They just take the right tools. Judgments from a Florida circuit court or county court can be enforced in several ways. Recording a certified copy of the judgment in a county’s official records creates a lien on the debtor’s non-exempt real estate there. Filing a judgment lien certificate with the Florida Department of State creates a lien on the debtor’s non-exempt personal property, such as business equipment, inventory, and receivables. Bank accounts can be garnished. And in proceedings supplementary, a court can look at where the debtor’s money went and reach assets that were transferred to other people.

Collecting this way takes knowledge of Florida law and staying power. If you would rather not chase the debtor yourself, contact Final Verdict Solutions about selling your judgment.

Buying judgments across Florida

Our headquarters is in Philadelphia, and we buy judgments from creditors all over Florida, from Miami and Fort Lauderdale to Tampa, Orlando, and Jacksonville. Most of the process happens online and by phone, so selling your judgment is simple wherever you are.

We buy judgments in all 50 states, and Florida judgments can be enforced against debtors and assets in other states too. Whether your debtor is a business in Miami or an individual on the Gulf Coast, we would like to hear about your judgment. Please contact Final Verdict Solutions for a no-obligation offer.

Florida collection agency or judgment buyer?

If you are looking for a judgment collection agency in Florida, you have two main options. A collection agency or attorney usually works on contingency: you keep the judgment, wait while they try to collect, and give up a percentage of anything they recover. Or you can sell your judgment to Final Verdict Solutions for cash now. When you sell, you get paid up front and the judgment becomes ours, so the time, cost, and risk of collecting are ours, not yours.

How long is a Florida judgment good for?

A Florida judgment can be enforced for 20 years. A judgment lien on real estate lasts 10 years and can be extended for a second 10 years. A lien on personal property lasts 5 years and can be renewed once, for another 5.

Does a Florida judgment earn interest?

Yes. Unless the underlying contract sets a rate, Florida judgments earn interest at a rate the state’s Chief Financial Officer sets each quarter, so the amount owed keeps growing while it goes unpaid.

Which Florida judgments do you buy?

We buy civil money judgments over $25,000 from Florida circuit and county courts and the federal courts in Florida, as well as state and federal courts across the country. We do not buy small claims judgments or consumer debt.

How do I get started?

Submit your judgment through our short form or call (484) 312-3300. We will review it and make you a no obligation cash offer.

Holding a judgment against someone who lives in another state? Read Can a Judgment Be Enforced in Another State? →