How do you file a judgment against someone?

The person/creditor that is owed money sues the debtor/borrower in the appropriate state court. If the plaintiff (person owed) wins the suit he or she will be awarded a writ of judgment. Be advised the court will not collect or assist in collection of money owed, that is the responsibility of the judgment holder. A judgment can be used in several ways depending upon the laws of the state where it is awarded. Wage garnishment and bank account levy are the two most common ways of executing a judgment. It can also be used to place liens against real property or have non-exempt assets belonging to the debtor seized and sold. Before initiating a lawsuit it should be determined if the debt is collectible. All states allow debtor exemptions for personal and real property. In many cases the debtor/defendant qualifies as being "judgment proof", meaning there is not property that can be attached and/or sold for debt repayment.