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Where does the "80% of judgments
remain uncollected" figure actually come from?
Figures come from a comprehensive and well
researched report entitled "The Kaulkin Report©" produced by
the Kaulkin Ginsberg Company, a national advisory service to the
collection industry.
How difficult is it to locate
customers and obtain judgments?
You will be surprised at how easy it is to become overwhelmed with
business! Most judgment recovery professionals have to limit the
number of cases they actually accept.
Why wouldn't a judgment owner
enforce his own judgment?
Most judgment creditors simply don't know how. Then, there are the
problems associated with tracking the debtor, locating assets,
etc.
Couldn't he hire an
attorney?
Sure, if he wants to pay a retainer, and a fee of between $100 and
$200 per hour! Using your services, he has no out of pocket
costs whatsoever.
On what percentage of the cases I
accept, can I actually expect to collect?
That will depend on the size of the judgments and the criteria you
place on your acceptance. 50% is a realistic figure for the
experienced judgment recovery professional.
Is this business
legitimate?
Judge for yourself! Click here to open a new window and
read an article published in the Wall Street Journal
specifically citing National Judgment
Network.
Why can't I contact you by
telephone with questions about membership?
All NJN Staff members are volunteers who actually operate their
own judgment recovery business. With hundreds of inquiries
per week, staff members simply don't have the time or resources to
respond by telephone. Creating a staff to do so would force an
increase in our membership fee which we have pledged to avoid.
Questions addressed by email are automatically routed to the staff
member best qualified to respond. All emails are promptly
answered! It is your understanding and cooperation that helps keep
our membership fee at a minimum.
Is this business
dangerous?
No. You never even have to confront the debtor. Your investigations
can be conducted in covert fashion. The debtor doesn't even have to
know you are on his trail. There is absolutely no danger
involved!
Does judgment recovery require a
great deal of knowledge of the legal system?
No. The NJN manual provides you with all the basics. Your knowledge
of the legal system will increase with experience. Most judgment
recovery specialists are neither attorneys nor
paralegals.
Is there a lot of competition in
this business?
Absolutely not! Judgment Recovery is a relatively new field.
It is very likely that you will encounter little, if any
competition at all! Should there be other judgment recovery
specialists in your area, there is still plenty of business
to go around. Click here to open a new window
and see just how many unsatisfied judgments are available
right now in your state!
Can I work part time?
Sure, by limiting the number of cases that you accept based on the
time that you have available.
Is there any special license
required for judgment recovery?
There is no professional license specifically for the business of
judgment recovery but some states require businesses to register
their business name. Information on licensing and name registration
is covered in the NJN Judgment Enforcement Manual.
Is judgment recovery legal in my
state?
Judgment recovery and the transfer of ownership is legal in
all states, and over the years National Judgment Network has
had members from all 50 states and Canada. Click here to open a new window and view
websites of current members located in your state.
Because of the opinion of certain State Bar Associations, there
are a handful of states less accommodating than the majority.
Click here to view comments on judgment
recovery in these few states.
Can I enforce Canadian
judgments?
Sure. The legal systems in Canada and the U.S. are very similar.
While the NJN website caters more to the U.S. judgment enforcement
professional, we have a number of Canadian members. Our
Post-Judgment Interest Calculator and Judgment Enforcement Database
are even configured to compute post-judgment interest for
Canada.
Couldn't I enter this business on
my own without becoming a National Judgment Network
member?
It may be possible, but you would have a tremendous amount to learn
on your own. The NJN manual will provide you with all the necessary
forms, agreements, and information needed to become successful as
quickly as possible. The NJN manual has been compiled from the
lessons learned from hundreds of actual judgment recovery cases.
And, as a member, you will have the support and assistance of
successful judgment recovery professionals located throughout the
U.S.
Does the NJN program include
information on the FDCPA (Fair Debt Collection Practices
Act)?
Absolutely! You will not only have access to the complete text of
the FDCPA but discussions on which parts of the act are applicable
to the business of judgment recovery.
Can I obtain help if I encounter
difficulties?
Certainly! Not only can you obtain help from National Judgment
Network but you can obtain the assistance of other successful
judgment recovery professionals throughout the U.S. You will even
have access to the NJN Discussion Forum where members share their
knowledge and information. And, there are no time limits on
obtaining assistance, as there are with other judgment recovery
programs.
Why don't you offer telephone
support?
Telephone support is greatly overrated! If you call a company
headquartered in California and ask about the process of filing a
bank garnishment in Georgia, you are going to be told to visit the
courthouse or contact a local attorney. Why? Because the individual
in California can't possibly know the rules and requirements for
every jurisdiction in the U.S. With National Judgment Network's
online support, you will receive an answer from another judgment
recovery professional who does business in Georgia and files bank
garnishments on a routine basis. You won't get true support
over the telephone.
How long will my membership be
valid?
Your membership is a lifetime membership! - No annual
or hidden fees!
Can you tell me more about the
NJN Judgment Database?
The NJN Judgment Database is a Windows program that was designed
exclusively for NJN members. It will track and sort your
cases, alert you to deadlines, compute post-judgment interest
(regardless of state), provide you with a current (payoff) value
for each judgment, produce letters and documents, display statutes,
and much more. The NJN Judgment Database alone is well worth the
cost of membership and you won't find anything like it anywhere
else. The closest program you will find costs a whopping
$449 and is nowhere near as sophisticated as the free
National Judgment Network program! You can learn more about the
program and even view the documentation by clicking here.
Can I obtain the software without
becoming a member of National Judgment Network?
Yes! National Judgment Network now offers an online version
of the Judgment Database that is available to all judgment
recovery professionals. It is fully functional and extremely
powerful! Click here for details. (Registered NJN members
can obtain a slightly different version of this package on the
members' area of the NJN website.)
Is the training received through
National Judgment Network as comprehensive as that available from
other sources?
Don't let the cost fool you! The NJN manual will provide you with
everything needed to enter the judgment recovery profession,
and do so for a lot less than any other
program available. It also guarantees you the support
and assistance of National Judgment Network and its members. Your
membership in National Judgment Network assures you that you
will never be alone! Click here for a quick comparison with other popular
programs.
Tell me more about the NJN
Judgment Enforcement Manual.
The NJN Enforcement Manual is a complete training package designed
to give the new judgment enforcement professional all the knowledge
needed to enter and become successful in the judgment enforcement
profession. It may be viewed online or downloaded in PDF format and
is available to all members at no cost. The manual is over 400
full-size pages, containing state-specific information and
tutorials on everything from "asset discovery" to "fraudulent
conveyance". Because it is written in e-book format it can quickly
and easily be revised on a regular basis, making it the most
up-to-date source of information available anywhere. The manual can
even be printed on your own printer if desired. Providing
our members with alternatives is just one way we keep our costs
down and our membership fee low!
How often is the NJN Judgment
Enforcement Manual updated?
The manual is completely reviewed and revised as necessary on
at least a monthly basis. You will always have
access to the most current information available.
Is National Judgment Network a
member of the Better Business Bureau?
No. Membership in the Better Business Bureau means one thing - that
the business has paid their membership dues. The BBB actually
derives its income from the very businesses they are supposed to
monitor. We don't feel the benefits of displaying the BBB seal
justify the expense of membership. Even though National Judgment
Network is not a BBB member, you can still check for complaints on
the BBB website by clicking here. We are a member of the
Better Internet Bureau, WWW Chamber of Commerce, Trust Worthy Site,
and other such consumer organizations.
Are there any
guarantees?
Only you can guarantee your success in the business of
judgment recovery, or any other business. However, we will
guarantee to provide you with all the knowledge and information
necessary to become successful. Click here to open a new window and learn the
truth about so-called 'money back' guarantees.
Does the public have access to
this site?
The public will have access to your free website so they can
contact you for assistance. But, due to the nature of the
information contained on the remainder of the website, access is
restricted to members only.
What are the requirements for
membership?
Membership is open to judgment enforcement professionals, private
investigators, collection agents, child support enforcement
specialists, and individuals seriously wanting to get started in
the judgment enforcement industry. You can view the rules of
membership by clicking here.
How does membership enhance my
credibility as a judgment enforcement professional?
Your membership tells the world you are a professional, and
that you have the ability to obtain assistance with the enforcement
of their judgments when needed. Membership also gives judgment
creditors a method of 'checking you out' and a means of resolving
any disputes, should they occur, through third party
mediation.
Will I actually receive referrals
of potential customers from the network?
Yes. The National Judgment Network website is constantly visited by
individuals seeking assistance in the recovery of their judgments.
These individuals have the ability to locate your business via your
free NJN website and contact you directly, for
assistance.
May I publicize my affiliation
with the National Judgment Network?
Absolutely! Members may place the following statement on their Web
site: "Member of National Judgment Network", with the words
National Judgment Network linked to a page which is devoted
to judgment creditors looking for assistance. Additional
information and the appropriate HTML code are provided upon
acceptance as a member. You may also display the NJN logo on your
website, business cards, and letterhead.
How long will it take to get my
free website?
You can have your website online immediately! You can
actually create your website on your first access to the secure
area of the NJN website. It will appear online
instantly!
Are the necessary forms and
documents available to network members?
Yes. MS-Word templates are available for most of the commonly used
agreements, documents, and letters. In addition, you will have
access to proprietary software capable of producing such documents.
The NJN website even features a method of producing documents
online. There are also state-specific court forms available
for download.
What kind of assistance can I
expect from other members?
All judgment recovery professionals occasionally have need for
state-specific information and assistance in filing documents with
a foreign court. All members have agreed to provide limited
assistance to fellow members. In turn, you must agree to assist
other members to the best of your ability. Naturally, any expenses
incurred would be the responsibility of the member requesting
assistance.
Tell me more about the "NJN
Certification Program".
Any NJN member may take the 100-question Certification Examination,
which will entitle them to display the coveted NJN Certification Seal on their website and
promotional materials. The examination is taken online and is free
of charge to all NJN members. Displaying the certification seal
informs the public that you have gone above and beyond, and possess
a superior knowledge of the judgment recovery business.
Are there any other costs
associated with membership?
No. You will have access to all proprietary software,
information, and assistance for just the cost of
membership.
How long will my membership be
valid?
Your membership is a lifetime membership! - No annual
or hidden fees of any kind!
How do I receive access to the
NJN Website?
Depending on your method of payment, you will either receive
instant access or be emailed a username and password within
24 hours.
How about a peek at what is on
the inside?
Sure! Click here to open a new window.
I have suggestions that may
improve the site and benefit all members. How do I make
suggestions?
All contributions and suggestions for improvement are welcome.
Contact us with any suggestions.
How do I pay my membership
fee?
You can join National Judgment Network online using your major
credit card or PayPal account and receive immediate
access!
What is your mailing
address?
National Judgment Network
Post Office Box 1061
Theodore, AL 36590-1061
Great! How do I join?
Easily done! Just click the "Join Us" button at the top of this
page.
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