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What is a Judgment Debtor:

IEnglish and American law, a judgment debtor is a person against whom a judgment ordering him to pay a sum of money has been obtained and remains unsatisfied. Such a person may be examined as to their assets, and if the judgment debt is of the necessary amount he may be made bankrupt if he fails to comply with a bankruptcy notice (in US law, an involuntary petition) served on him by the judgment creditors.[1]

In the past, the judgment debtor could have been committed to prison or have a receiving order made against him in a judgment summons under the Debtors Act 1869.[1]
Specific debts are non-dischargeable, such as debts for fraud and civil judgments that are obtained in a civil Adversary proceeding in bankruptcy. During such proceedings (US law) the judge who presides over the bankruptcy declares that a specific debt be deemed as non-dischargeable, in that the bankruptcy will not dismiss the debt, and the debtor is obligated for the full amount of the judgment for life.

Examinations, referred to as judgment debtor exams or a JDX of the debtor are conducted in front of a district court judge, and the debtor is required to answer questions about his or her assets, or face the possibility of imprisonment for contempt of court. *

What is a Judgment Creditor?

judgment creditor is a party to which a debt is owed that has proved the debt in a legal proceeding and that is entitled to use judicial process to collect the debt.[1] A creditor becomes a "judgment creditor" when a judgment is rendered stating that they are entitled to recover a particular debt from a judgment debtor. Following a judgment, a judgment debtor may satisfy the debt voluntarily or the judgment creditor may need to take additional steps to enforce the judgment. *

What are the typical garnishment fees?

The typical fees range from $150 to $300 depending on the rush, amount of paperwork and the area you will be serving as costs vary on location and by court. First we have to locate a bank or employer, which is separate from this example calculation. Please see the specific section on that for pricing. Then, or if you already know the bank account, we have our LDP, Paralegal, or Attorney prepare the paperwork for you. Or, you can send us your already completed paperwork, or you can take our class. Then we run it to the court, get it issued and then route it to a process server for serving. You may wish to request these fees be reimbursed as part of the garnishment process and added to the judgment.


1900 W Chandler Boulevard, Suite 15-263
Chandler, AZ 85224

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