What Judgments We Buy

Our complete eligibility criteria — what we evaluate, what we don’t, and what makes a judgment worth more.

What we buy

We purchase California commercial money judgments that meet all of the following:

California superior court — Any of the 58 California counties. We do not purchase out-of-state judgments.
$10,000 or more — Face value at entry, or current face value including accrued post-judgment interest.
Commercial dispute — The underlying case must be a business or commercial matter (see case types below).
Final judgment — No active appeals. The judgment must be entered and no longer subject to reversal.
Within the enforcement window — California judgments are enforceable for 10 years from entry. Judgments past their expiration date that have not been renewed are not purchasable.

Unpaid commercial invoices — B2B payment disputes where services or goods were delivered and not paid for.
Commercial lease defaults — Business tenants who defaulted on commercial leases. Both UD money portions and separate breach of lease actions.
Construction and contractor disputes — Unpaid contractors, subcontractors, materials suppliers, and design professionals.
Commercial loan defaults — Business loan defaults and personal guaranty enforcement.
Business contract breaches — Franchise agreements, distribution agreements, service contracts, software/licensing agreements.
Business-to-business tort judgments — Fraud, conversion, and other intentional tort judgments in commercial disputes.

Residential tenant judgments — Individual consumer UD money judgments. California exemptions protect wages and personal property; these are rarely collectible.
Consumer debt judgments — Credit card judgments, medical debt, personal loan defaults.
Out-of-state judgments — We focus on California superior court judgments only.
Judgments under $10,000 — Below our minimum.
Judgments in active bankruptcy — If the debtor has filed for bankruptcy and a stay is in effect, we cannot purchase.
Judgments that have expired — Unrenewed California judgments past the 10-year enforcement window.
Judgments in active appeal — We purchase only final, non-appealed judgments.

Not sure if yours qualifies? Submit it. We’ll tell you honestly whether it meets our criteria — and if it doesn’t, we’ll tell you why.

Not all qualifying judgments are priced the same. These factors increase value:

Fully litigated (not default) — A judgment entered after both sides appeared and argued is much harder to vacate. Default judgments can be challenged under CCP §473; litigated judgments face a much higher bar.
Recent entry — A three-year-old judgment is more valuable than a nine-year-old one, all else equal.
Identifiable debtor assets — Real property, active business, regular employment, known bank accounts.
Personal guarantee on the debt — An individual named on the judgment significantly expands enforcement options.
Abstract of judgment already recorded — A recorded lien on real property means the debt gets paid when the property sells.
Complete documentation — Certified copy of judgment, abstract of judgment, and any prior enforcement records.

Five-minute form. One business day response. Specific offer, not a range.