Highly Collectible Judgment · Composite scenario · illustrative
Priority Business Judgment Against Owner of Operating LLC
A $640K judgment against an individual who actively manages an operating LLC and owns commercial real estate scores in the priority tier; structured enforcement resolves within 18 months.
Underwriting Thought Process
- • Collectability is high — known business and known real estate provide multiple enforcement levers.
- • Asset visibility is strong; investigation is confirmatory rather than exploratory.
- • Judgment age is fresh and well within renewal life.
- • Documentation is complete (certified copy, abstract, ledger).
File Facts
- Amount
- $640,000
- Age at intake
- 11 months
- Real property
- Known commercial parcel, ~$1.4M senior debt, ~$900K equity
- Business
- Active LLC; debtor is sole manager / member
- Employment
- W-2 from own LLC
- Bank
- Known operating account
Outcome
Abstract recorded → debtor exam → charging order issued → settlement at refinance closing within 18 months for near-full recovery plus accrued interest.
Takeaways
- • High visibility plus multiple enforcement levers compresses recovery cycle.
- • Quiet leverage (recorded abstract) often outperforms aggressive remedies.
- • Charging orders create pressure even when entity control prevents seizure.