Getting Money You’re Owed
Getting Money You’re Owed
Collect debts, enforce promises, and win your case
By Capra Academy · Published April 14, 2026 · 65 pages
About This Book
The definitive guide to collecting personal debts and unpaid loans through small claims court. Includes promissory note templates, text message evidence strategies, and judgment collection procedures including wage garnishment and bank levies.
What’s Inside
- Debt Documentation
- Promissory Note Templates
- Text Message Evidence
- Service of Process Guide
- Wage Garnishment Procedures
- Bank Levy Procedures
Frequently Asked Questions
How do I sue someone who owes me money?
File a claim in small claims court in the county where the debtor lives or where the agreement was made. You’ll need documentation of the debt — IOUs, contracts, text messages, or bank records showing transfers.
What if the person I sue doesn’t pay?
If you win and the defendant doesn’t pay, you can pursue collection methods including wage garnishment, bank account levies, or property liens. The court doesn’t collect for you — you must enforce the judgment.