You take the judgment and attach it to assets. Most people with assets will stop screwing around at that point and come up with cash, even if they have to borrow it.
People who can’t pay it will file bankruptcy and work it out there.
It is fairly common to not bother suing people personally (not their insurance) when they have no collectable assets. This is called being “judgment proof.” If all someone has is a paycheck to paycheck job and a ten year old car and their personal stuff, it’s likely not worth the legal fees as a straight money matters
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