How Judgment Monitoring Works

The Problem Judgment Monitoring Solves

When you win a civil judgment, the court isn't going to collect it for you. You — or your attorney — are responsible for locating assets and executing enforcement. The challenge is that judgment debtors rarely have obvious, easily attached assets sitting in the open. They move. They change jobs. They buy property under different names or through entities. And the judgment creditor, watching from a distance, has no practical mechanism to know when that changes.

One-time asset searches tell you what someone owned when you searched. A debtor who owns nothing today might purchase a house next year, form a business the year after, and register an aircraft the year after that. Without a continuous monitoring system, you'll miss all of it — and your judgment will eventually expire uncollected.

Judgment monitoring replaces this manual guesswork with an automated, always-on surveillance layer that alerts you the moment something changes.

The Monitoring Pipeline

Here is exactly what happens from the moment you add a debtor to your account through the moment you receive an actionable alert:

1. 1
   You enroll a debtor

   You provide the debtor's legal name, the state (or states) where they're most likely to have assets, and whether they're an individual or a business entity. This creates a monitoring profile in the system.

2. 2
   Monitoring begins immediately after activation

   The first sweep establishes a baseline — it searches all available data sources and records what currently exists in the debtor's name. This gives you an immediate picture of known assets and creates a reference point for future change detection.

3. 3
   Ongoing automated sweeps continue

   After the baseline, the system sweeps on a regular automated schedule. Each sweep searches all data sources and compares results against the prior sweep. New items — things that didn't exist in the last sweep — are flagged for alert generation.

4. 4
   Alerts are created and delivered

   When new activity is detected — a property deed recorded, an LLC filed, a bankruptcy petition submitted — an alert is created in your dashboard immediately. You also receive an email notification so you're aware without needing to log in.

5. 5
   You review and act

   You log in, review the alert details, and decide how to proceed. The alert contains the specific asset information — property address, APN, entity name, filing date, jurisdiction — so you or your attorney have what you need to take the next step.

What Data Sources Are Searched?

Each sweep covers multiple categories of public record. Here is what's searched on your debtor's behalf:

How Alerts Work

An alert is created any time a sweep returns a result that wasn't present in the prior sweep — meaning it's genuinely new activity, not a repeat of something you've already seen. Each alert contains:

• Alert type — property, business entity, bankruptcy, FAA, USCG, or court record
• Specific details — address, parcel number, entity name, filing date, jurisdiction, or vessel details depending on the type
• Estimated value data where available — for property alerts, this may include an estimated market value and equity estimate
• Timestamp — when the alert was detected

Alerts appear in your dashboard's alert feed and are also sent to your account email so you're notified immediately without needing to log in to check.

How Often Sweeps Run

Sweeps run automatically on a recurring schedule. You do not need to log in or trigger sweeps manually for routine monitoring — the system handles it continuously in the background.

You can also trigger a manual sweep from your dashboard at any time if you want an immediate update — for example, after you receive a tip that your debtor may have recently acquired something. Manual sweeps are available from the debtor detail page.

Taking Action on an Alert

When an alert lands in your inbox, the next step depends on the alert type:

• Property alert — engage a local attorney or sheriff's office to file and execute a judgment lien or levy against the property
• Business entity alert — investigate ownership structure for charging order eligibility; an attorney can advise on jurisdiction-specific remedies
• Bankruptcy alert — immediately file a proof of claim through the bankruptcy court or have your attorney do so before the bar date
• FAA / USCG alert — aircraft and vessels are significant attachable assets; consult a maritime or aviation attorney for levy procedures

TrackMyDebtor.com delivers the intelligence. What happens next is your enforcement action — and having the right information at the right time is what makes the difference.