No particular language is necessary for this type of report so long as the report clearly conveys the necessary information.
Illinois Report to Creditor by Collection Agency Regarding Judgment Against Debtor
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How to fill out Report To Creditor By Collection Agency Regarding Judgment Against Debtor?
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FAQ
Post-judgment proceedings include enforcement of a judgment, supplementary proceedings, non-wage garnishment and wage deduction proceedings. A supplementary proceeding is a vehicle to discover or examine a judgment debtor's assets, or to prohibit judgment debtors from transferring assets.
Being ?judgment proof? means you don't have enough money or assets to satisfy a court judgment against you. In short: you're too poor to pay.
A credit reporting company generally can report most negative information for seven years. Information about a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Bankruptcies can stay on your report for up to ten years.
If a judgment is old, it may need to be revived before it can be enforced. Illinois law governs the enforcement and resurrection of judgments. Under Illinois law, judgments have an enforcement time limit of seven years from the date of their entry.
A creditor can use the judgment to collect money from you. They may take some of your wages, money in a bank account, or sell your home. The process is commonly called garnishment even if a Citation to Discover Assets form is used.
A collector can contact you in person, by mail, telephone, telegram or email. However, a collector may not contact you at unreasonable times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves.
A judgment is a court order stating that you owe the debt collector money because of a lawsuit. You may have received a judgment because the court decided in favor of the debt collector in a trial, or because you did not respond to a lawsuit that was filed against you.
A creditor can use the judgment to collect money from you. They may take some of your wages, money in a bank account, or sell your home. The process is commonly called garnishment even if a Citation to Discover Assets form is used.