Collector First 72 Hours
The first 72 hours after obtaining a judgment are critical. This guide walks you through the essential triage steps, documentation sprint, and strategic sequencing to maximize your recovery potential while avoiding common mistakes.
Download the Free ChecklistEducation Only: This content is for educational purposes and does not constitute legal advice. Laws vary by state. Consult with a licensed attorney for guidance specific to your situation.
Hour 1: Immediate Triage
The moment you receive your judgment, the clock starts. These first actions set the foundation for everything that follows.
Secure and Review the Judgment Document
Obtain a certified copy of the judgment. Verify the judgment amount, interest rate, debtor's legal name, and any special terms. Check for errors immediately—corrections are easier now than later.
View Document ChecklistStart Your Collection Ledger
Create a tracking system for all balances, accrued interest, payments, and communication. This becomes your single source of truth and protects you in disputes.
Download Collection Ledger TemplateResearch the Debtor's Current Status
Gather basic information: employment status, known assets, previous payment history, and any bankruptcy filings. This intelligence guides your strategy.
Use the Decision TreeHours 2-24: Documentation Sprint
With triage complete, focus on building a complete documentation package. This protects your rights and prepares you for enforcement or negotiation.
Organize Your Case File
Compile all contracts, correspondence, court filings, and proof of service. Create both physical and digital backups. Missing documents can delay or derail collection efforts.
Get Document OrganizerCalculate Total Amount Owed
Use the judgment amount, applicable interest rate, and accrual date to calculate the current balance. Document your calculation method for transparency.
Use Interest CalculatorDraft Your Initial Communication
Prepare a professional demand letter that clearly states the amount owed, payment deadline, and consequences of non-payment. Tone matters—firm but respectful increases response rates.
Get Demand Letter TemplateHours 24-72: Strategic Planning
Now that you have documentation and initial intelligence, it's time to develop your collection strategy and decide on next steps.
Evaluate Collection Options
Review your options: direct negotiation, payment plan, settlement offer, wage garnishment, bank levy, or lien filing. Each has pros, cons, and costs.
Read Collection Options GuideDecide: DIY or Attorney?
Consider the judgment size, debtor complexity, and your available time. Small judgments with cooperative debtors may be DIY-friendly. Complex cases benefit from legal representation.
Use Attorney vs DIY Decision TreeSend Initial Contact
Deliver your demand letter via certified mail with return receipt. Keep copies of all communication. This starts the formal collection process and creates a paper trail.
View Communication ScriptsCommon Mistakes to Avoid in the First 72 Hours
❌ Waiting Too Long to Act
Delays reduce recovery rates. Interest accrues, but debtor assets may disappear. Start immediately.
❌ Skipping Documentation
Poor records lead to disputes, missed payments, and legal complications. Document everything from day one.
❌ Aggressive or Harassing Communication
Hostile tone reduces cooperation and may violate laws. Professional, respectful communication gets better results.
❌ Ignoring Settlement Opportunities
A negotiated settlement or payment plan often recovers more than aggressive enforcement. Stay flexible.
What Happens After 72 Hours?
With your foundation in place, you're ready to execute your collection strategy. Here's what comes next:
Week 1-2
Wait for debtor response. Follow up if needed. Begin enforcement planning if no response.
Week 2-4
Negotiate settlement or payment plan if debtor is responsive. Initiate enforcement if unresponsive.
Month 2+
Execute enforcement (garnishment, levy, lien) or finalize settlement. Document all actions.
Get the Complete Toolkit
Templates, trackers, scripts, and step-by-step guides for every stage of collection.
View Collector ToolkitExplore Settlement Options
Structured settlement and payment plan tools to increase recovery and reduce defaults.
Visit Settlement Center