Wholesale Distributors: Sell Your Unpaid Judgment
You delivered the goods. Your customer didn’t pay. You won in court and still haven’t seen a cent. We buy California wholesale and distribution judgments — $10,000 and up.
$10,000 minimum · Commercial judgments · California superior court
The wholesale collection problem
Wholesale distributors face a recurring collection problem: credit extended to retail customers or downstream distributors who disappear when accounts go delinquent. By the time a judgment is entered, the debtor entity may have closed, restructured, or moved inventory to a related entity.
Selling your judgment converts that uncertain recovery into a lump sum now. We take on the enforcement — the skip tracing, asset searches, bank levies, and wage garnishments — and you get paid without waiting.
What qualifies
We evaluate California commercial judgments in this category including:
- Unpaid invoices — Distributor delivered goods or fulfilled orders; customer failed to pay; court entered judgment for the balance.
- Broken supply agreements — Commercial supply contract was breached and judgment entered for damages.
- Returned goods disputes — Customer claimed returns or chargebacks; court ruled in your favor.
- Credit line defaults — Commercial credit extended to a retail or wholesale customer; judgment entered on the defaulted balance.
- Personal guaranty enforcement — Business principal personally guaranteed the account; judgment includes the guarantor individually.
Minimum face value: $10,000. California superior court commercial judgments only.
When the debtor entity has restructured or closed
Wholesale distribution runs on a B2B credit model — by the time a delinquent buyer becomes a court judgment, the entity on that judgment may no longer exist in any meaningful form. Distributors face a specific enforcement pattern: businesses dissolve, restructure, or fold their inventory into successor entities with more legal sophistication than individual debtors carry. The judgment is real. The collectable assets behind it may not be.
A handful of patterns surface repeatedly:
- Shell companies isolating inventory. Operating principals route warehouse stock through a sibling LLC. By the time enforcement names the original debtor, the inventory has been licensed, sold, or "leased" to the new entity at arm’s length.
- Personal guaranties as the real recovery path. When a buyer opened an account on a personal guaranty, that guaranty is often the only enforceable target left after the entity dissolves. Many distributors don’t realize they have this leverage until they look at the original credit application.
- Open-account exposure. Distributors extending NET-30 or NET-60 terms to multiple regional buyers carry meaningful judgment risk in aggregate, even when each individual exposure looks routine.
Selling the judgment converts a speculative collection effort into a known dollar amount today — and removes the operational distraction of pursuing a judgment that may never collect. See how we value a judgment for our framework, or compare against the full options for collecting a judgment.
FAQ
The debtor entity has closed. Is the judgment still worth anything?
Possibly. If principals have personal liability, if there’s a successor entity operating under a different name, or if the principals have personal assets, there may still be a collection path. Tell us the full picture.
We have multiple smaller judgments against the same debtor. Can we combine them?
Yes. We look at the combined face value of all related judgments against the same debtor. If the total reaches $10,000 or more, submit them together.
How quickly can we close?
Evaluation takes one business day. Signing and funding typically takes 3–5 business days after a signed agreement. Most sales close within two weeks of first contact.
We went after the personal guarantor but couldn’t serve them. Can we still sell?
Yes. Difficulty serving a guarantor is a common factor in enforcement, not a deal-breaker. We evaluate enforceability based on what is currently known plus what skip-tracing can reasonably surface. If the guarantor has identifiable California assets, the judgment retains value even if prior service attempts failed.
The judgment is 5+ years old. Is it still worth anything?
Yes. California judgments are enforceable for 10 years and can be renewed for additional 10-year periods (see our California judgment expiration guide). The judgment loses value as it ages, but does not become worthless. A 5-year-old judgment with a known debtor and identifiable assets typically still has meaningful market value.
Get your distribution judgment evaluated
Commercial wholesale or distribution judgment, $10,000 or more? Free evaluation, one business day response.