Judgment Collection Guide
Winning a judgment is only half the battle. If the debtor doesn't pay voluntarily, you need to use Pennsylvania's collection tools to enforce the judgment.
Transferring MDJ Judgments
If your judgment was entered by an MDJ, you must transfer it to the Court of Common Pleas before using most collection tools. File a certified copy of the judgment with the Prothonotary.
Wage Garnishment
PA is one of only 4 states that prohibits wage garnishment for most consumer debts. Exceptions: support obligations, taxes, student loans, and landlord-tenant judgments (10% of net pay). This is a critical distinction from most other states.
Bank Levies
You can attach funds in the debtor's bank accounts through a Writ of Execution. File with the Prothonotary, direct the Sheriff to serve on the bank. The bank freezes funds up to the judgment amount.
Judgment Liens
A judgment automatically creates a lien on real property in the county where it's entered under 42 Pa.C.S.A. § 4303. To lien property in other counties, you must transfer the judgment to those counties.
Discovery in Aid of Execution
You can compel the debtor to disclose assets through: Written Interrogatories in Aid of Execution, Oral Examination (deposition), and Subpoena for financial records. This helps identify assets available for collection.
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Judgment Collection Knowledge CenterDisclaimer: This guide is for educational purposes only and does not constitute legal advice. Every case is different. For guidance specific to your situation, consider booking a consultation with a PA licensed attorney.