Your hard work and determination paid off. The judge of a Missouri small claims court, or "peoples" court, as they're commonly known, agreed with you and decided that the defendant, the person you sued, owes you money. You're to be congratulated.

Before you start celebrating, though, you need to know that winning doesn't necessarily mean you're going to get paid. If you're lucky, the defendant will voluntarily pay you the amount stated in the judgment. Unfortunately, this doesn't happen in every case. Often, the defendant tries to avoid paying all or part of the judgment. You have some options when this happens, however, such as:

  • Getting a writ of execution
  • Garnishing the defendant's wages

The Names Have Changed

When the suit was filed in the small claims court, you were called the "plaintiff," the person who filed the suit, and the person you sued was called the "defendant." Now that the case is over and you've won, you're now known as the judgment creditor and the defendant is called the judgment debtor.

Collection Tactics

After the judge decides the case and the clerk enters the judgment into the court records, the first thing you should do is talk to the defendant. See if she can pay you immediately, or try to arrange a payment schedule. If the defendant doesn't pay you, there are some ways that the court can help you collect on the judgment.

Writ of Execution

Also known as "executing judgment," a Writ of Execution is used to take (or "levy") some of the debtor's property or assets to pay what he owes. You need to file an application for this writ, called a "Request for Execution, Garnishment, or Sequestration," and you have to be able to specify what you want levied and where it's located. Once the Writ has been granted, the process is usually complicated, but generally:

  • You have to take it the sheriff of the county where the property is located and provide information on where the property or assets can be found
  • The sheriff delivers it to (or "serves it on") the defendant, and then he may take the items listed in the Writ
  • Unless the defendant files a "claim of exemption" (meaning that the asset can't be taken because it's protected by law), the deputy will sell the property and deposit the money with the small claims court. The court clerk will then pay you

With a Writ of Execution, you can usually get to the defendant-debtor's personal property, like jewelry, cars and boats; and certain real property, such as vacation or rental property. Exempt property that can't be reached through the Writ include the defendant-debtor's homestead real estate (that is, his house), and certain dollar amounts of things like household furnishings and clothes. The sheriff or court clerk should be able to give you a list of exempt property, or you can get it online.

Wage and Bank Account Garnishment

Wage and bank account garnishment is when you arrange for money to be taken directly out of the defendant's paycheck or bank account and paid to you. To do this, you have to file a "Request for Execution, Garnishment, or Sequestration" and you need to know the name and addresses of the defendant-debtor's employer and/or bank. Again, you're responsible for making sure that the Writ is served on the defendant, his employer, and his bank This usually is done by the local sheriff. When it's served:

  • The employer or bank will let the court know if they have money belonging to the defendant that can be garnished, that is, money that's not "exempt" or protected from garnishment
  • If the bank has money that may be garnished, it will send it to the court
  • The employer will withhold part of the defendant-debtor's weekly pay, but usually no more than 25% of his weekly net pay, and pay it to the court
  • The court clerk will give instructions on how to collect the money

Exempt money that can't be reached through the Writ include money child support, alimony and money from public assistance programs, such as worker's compensation, unemployment and Social Security benefits.

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