Sell Your Judgment
in Texas

Why Texas judgments are so hard to collect

Texas does not allow ordinary judgment creditors to garnish a debtor’s paycheck. The only exceptions are child support, spousal maintenance, taxes, and student loans. A debtor’s home is protected no matter what it’s worth: up to 10 acres in a city, or up to 100 acres in the country for a single person and 200 acres for a family. On top of that, up to $50,000 in personal property is protected for a single debtor, or $100,000 for a family.

That’s why so many Texas 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 Texas judgment.

What still works in Texas

Texas judgments aren’t hopeless. They just take the right tools. Judgments from a Texas district court or county court at law can be enforced in several ways. An abstract of judgment recorded in a county’s real property records creates a lien on the debtor’s non-exempt real estate there, including rental properties, commercial buildings, and land. Bank accounts can be garnished even though wages can’t. And a court can order a debtor to turn over non-exempt property, or appoint a receiver to take control of it.

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

Buying judgments across Texas

Our headquarters is in Philadelphia, and we buy judgments from creditors all over Texas, from Houston, Dallas–Fort Worth, San Antonio, and Austin to El Paso. 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 Texas judgments can be enforced against debtors and assets in other states too. Whether your debtor is a business in Dallas or an individual in the Rio Grande Valley, we would like to hear about your judgment. Please contact Final Verdict Solutions for a no-obligation offer.

Texas collection agency or judgment buyer?

If you are looking for a judgment collection agency in Texas, 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 Texas judgment good for?

A Texas judgment becomes dormant if no writ of execution is issued within 10 years of the date it was entered. Each new writ keeps it alive for another 10 years. A dormant judgment can still be revived within two years after it goes dormant.

Does a Texas judgment earn interest?

Yes. Unless the underlying contract sets a rate, Texas post-judgment interest is tied to the prime rate, with a floor of 5% and a ceiling of 15% per year.

Which Texas judgments do you buy?

We buy civil money judgments over $25,000 from Texas district courts, county courts at law, and the federal courts in Texas, as well as state and federal courts across the country. We do not buy small claims (justice court) 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? →