http://resources.lawinfo.com/en/Legal-FAQs/Enforcement-of-Judgments/index.html LawInfo - Legal Resource Center offers free legal forms and free legal documents that is designed to help consumers and businesses resolve their legal issues http://resources.lawinfo.com/en/Legal-FAQs/Enforcement-of-Judgments/Federal/how-can-a-judgment-be-enforced.html A judgment can be enforced by taking the debtor's property in an amount equal to the total debt. Initially, the judgment creditor must obtain a Writ of Execution, which typically contains an order directing the local Sheriff or other official to enforce the judgment. Creditors usually use a sheriff or other official to actually seize the property. The sheriff takes the property by what is referred to as a levy. An example of a levy would be the recordation of a lien on real property. A levy can also be the actual physical seizure of the personal property. Property that may be subject to a levy could include money in a bank account, personal property owned by the debtor, a vehicle owned by the debtor, real property owned by the debtor, etc. A judgment can be enforced by public sale of the debtor's property. In order to do so, a court order must be obtained specifying the property to be seized and sold. Some states have limited this remedy, including states that exempt the debtor's home. The remedy of garnishment is a claim on the property of a third party owing a debt to the principal debtor. For example, a creditor may apply for and obtain an Order for Wage Garnishment ordering the debtor's employer to pay a portion of the debtor's wages to the creditor. There are many limitations on the remedy of garnishment that vary from state to state. Enforcement of Judgments FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Enforcement-of-Judgments/Federal/is-all-property-of-the-judgment-debtor-subjec.html State laws protect certain property from the reach of creditors. The laws regarding what property is exempt varies widely from state to state. States that do have laws exempting certain property frequently prohibit a levy on the debtor's home or wages. There are also some federal exemptions including social security and pension benefits. Enforcement of Judgments FAQs Wed, 16 Apr 2008 04:07:57 GMT http://resources.lawinfo.com/en/Legal-FAQs/Enforcement-of-Judgments/Federal/if-a-judgment-is-received-in-one-state-is-it.html When a judgment debtor moves his assets to another state, the judgment can be filed with the court in the state where the assets are currently held. It then becomes a lien against all real estate owned by the debtor in the new state. In addition, the creditor can take whatever action is necessary and authorized under the new state's laws to enforce the judgment. The authority to execute the judgment in another state is based on provisions of the Uniform Enforcement of Foreign Judgments Act. Enforcement of Judgments FAQs Mon, 04 Jun 2007 21:51:22 GMT http://resources.lawinfo.com/en/Legal-FAQs/Enforcement-of-Judgments/Federal/what-is-a-confessed-judgment.html A confession of judgment clause is usually contained in a note signed by the borrower and authorizes the creditor to obtain a judgment without providing advance notice to the debtor. If a debtor defaults, the creditor simply files a complaint in confession of judgment in court and issues an execution against the debtor's assets. This could in effect change an unsecured interest into a secured interest. 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