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.
Can text messages be used as evidence of a debt?
Yes. Text messages, emails, and social media messages can all serve as evidence of an agreement to repay money. Screenshot and print all relevant conversations. The key is showing that both parties acknowledged the debt and its terms.
How long do I have to collect on a judgment?
Judgments are typically valid for 5-20 years depending on the state and can often be renewed. However, the sooner you act, the better — debtors may move, change jobs, or spend the money. Act promptly to enforce your judgment.
Related Resources
Who This Small-Claims Information Is For
This page is for people researching Getting Money You’re Owed — Small Claims Court Guide and deciding how to organize a possible small-claims matter. The linked resources emphasize evidence, chronology, defendant identification, demand, filing, hearing preparation, and judgment collection.
Use the guide effectively
- Identify the controlling state and local court before relying on any limit or procedure
- Build a dated chronology and preserve original evidence
- Confirm the defendant’s correct legal name and service address
- Calculate and document the requested amount
- Use official court forms, fees, deadlines, and service instructions
Strengths and limitations
The guide helps readers organize facts, documents, and procedural questions. It does not provide individualized legal advice, establish that a claim is valid, or replace current court rules and advice from a licensed attorney.