Acquire Judgment Recovery Desk
Judgment Recovery Scorecard — Is Your NC Judgment Worth Anything?
A 100-point assessment framework to evaluate whether an unpaid civil money judgment has recoverable asset value. Use this to self-assess before submitting for formal review.
Scoring Categories (100 Points Maximum)
Judgment Amount
10 pts maxJudgment Age (NC 10-Year Clock)
10 pts maxDocumentation Quality
10 pts maxCreditor Ownership Clarity
10 pts maxDebtor Asset Clues
20 pts maxReal Estate Ownership (NC-Specific)
15 pts maxBusiness Ownership or Employment
10 pts maxNo Bankruptcy Risk
10 pts maxNo Satisfaction / Release / Assignment Issues
10 pts maxEnforcement Path Clarity (NC Law)
15 pts maxScoring Bands
The judgment has strong recovery indicators. Multiple positive factors present — real estate, clear documentation, favorable age, and clear enforcement path. Highest priority for review and potential offer.
The judgment has several positive indicators but may have weaknesses in one or two categories. Worth thorough review. May require additional research or documentation before a recommendation can be made.
The judgment has mixed indicators — some positive, some concerning. Requires deeper research, attorney review, or additional documentation before a clear recovery path can be identified.
Multiple negative factors present. Recovery is unlikely but not impossible. May be worth monitoring for debtor circumstances change. Low priority for active pursuit.
The judgment has insufficient recovery indicators. Multiple negative factors, no clear debtor assets, documentation problems, or enforcement barriers. Honest recommendation: not practical to pursue.
Red Flag Overrides
Any one of these automatically overrides the score. If present, the judgment is not a viable recovery candidate regardless of point total.
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