Page 86 - Judgment Enforcement Course

Judgment Enforcement – The Step-by-Step Course

— Apartment hoppers: Some people change apartments every year, or every 6
months. Usually the reasons are not good. If the JD’s residence is not stable, then that’s a
consideration of overall stability.

— Foreigners or very recent immigrants with ties to the mother country: JD’s
like this often have foreign bank accounts, and they may send money to it regularly. So the
assets are quickly gone.

While I’m on this, I’ll mention that some immigrant and foreigner JDs have their family
and given names mixed up, either intentionally or by bureaucrats who don’t know that in
many cultures the family name comes first. For example, Nguyen Thi An is a Vietnamese
name; family name comes first—Nguyen. Thi is a middle name for a female. Her personal
name is An. “Hey An, come over for a beer,” is what a friend might say. Korean, Chinese
and others are like this also. And credit reports will likely mix these up as well, or show a

number of variations on the name. It doesn’t mean intentional fraud in those cases.

— Huge Judgments: Most often they are not good. I was offered a 3 billion dollar

judgment once, and I turned it down. Why? If the judgment is for real, in some cases
the JD can simply file bankruptcy to get out of it, and you can bet he will. Nobody
(okay, almost nobody) has 3 billion dollars. I’ve already mention that I was offered a 6
million judgment for wrongful death against a person who had nothing. What was it
worth taking? Nope.

Remember, every JD will have his negatives, maybe a lot of them. But the rule is that he
must have positives too, or there is little likelihood of a payout to you. That’s what we
keep in mind.

--- Sometimes the JD is using multiple SSNs

This may mean nothing. Often a database will show two SSNs for the JD. But they may be
legitimate. Why? Because sometimes SSN’s get mixed up by the credit bureaus when a
husband and wife or father and son buy something together. So, not a biggie, if that’s the
case. If John Greene has two SSN’s, check the SSN of his wife. Is it the same?
In other cases, the JD may have invented or intentionally transposed some numbers to
confuse creditors. So, a JD may take his SSN which is 556-90-5050, and on an application
write it 556-09-5050. He knows if anyone catches him, he can say, “Oh, yeah, my bad.”

But if he does it often enough, you know he’s just trying to be elusive. Just be aware.

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