A creditor is well within their rights to have your debt taken over by third party collection agencies and/or law firms. What most people do not realize is that winning the judgment is only half the battle to the creditor. The hard part is collecting the money. You see, even when a judgment get awarded, it is still up to the plaintiff to recover his money. The court does not require the debtor to pay, and will not even help collect. The result is that millions of judgments are just sitting in files. “Nine of 10 winners of a judgment never see a dime.” We negotiate all unsecured debts, which includes judgments. Regardless of what stage of collections a debt is in, it can negotiate. If you get sued, a lawsuit is to force a settlement on the matter. In our experience, most creditors would rather not go to the expense of suing and simply try to negotiate a settlement. In your enrollment process, we go over these types of scenarios which we have an optional program in place to combat this from occurring. Just remember, we’re not a law firm and can’t offer any legal advice.