Sell Your Illinois Civil Judgment for Cash
Won a court judgment in Illinois but can't collect? Great Lakes Strategic Capital purchases non-consumer civil judgments statewide — giving you immediate cash with no upfront fees and no collection risk. Free evaluation within 48 hours.
Illinois Civil Judgment Law — Key Facts
Enforcement Period
7 years (up to 20 via revival)
✓ Renewable before expiration
Post-Judgment Interest
9% per annum
Accrues on unpaid balance from judgment date
Wage Garnishment
Available
Homestead Exemption
$15,000 ($30,000 joint)
Statute: 735 ILCS 5/12-108; 5/2-1602
Why Sell Your Illinois Judgment Instead of Collecting?
In Illinois, you have up to 7 years (up to 20 via revival) to enforce a civil judgment — but enforcement requires time, legal resources, and often multiple court proceedings across different tools: wage garnishments, bank levies, and property liens.
Post-judgment interest accrues at 9% per annum, which adds value over time — but only if the debtor actually has assets you can reach. Many debtors actively avoid collection by hiding assets, changing employment, or depleting bank accounts.
Selling your Illinois judgment to Great Lakes Strategic Capital converts that uncertain future recovery into an immediate, guaranteed cash payment. We handle all enforcement risk, legal costs, and debtor contact after the assignment is complete.
Immediate Lump-Sum Payment
Get paid now — no waiting years for collection to succeed
Zero Upfront Fees
Free evaluation, free offer. No cost to you at any point.
We Absorb All Risk
Once assigned, enforcement risk is entirely ours. Your payment is guaranteed.
Multi-Tool Enforcement
We use all available Illinois tools: wage garnishment, bank levies, and real property liens.
Illinois Judgments We Buy
- Illinois business-to-business contract disputes
- Commercial landlord / unpaid rent judgments
- Contractor and professional fee judgments
- Fraud and misrepresentation awards
- Partnership and shareholder disputes
- Property damage (commercial)
- Minimum $3,000 judgment amount
- All court levels in Illinois
We Do NOT Buy
- ✕Consumer credit card debt
- ✕Medical bills or healthcare debt
- ✕Student loan obligations
- ✕Personal loans to individuals
- ✕Child support or alimony
- ✕Any debt covered by FDCPA/FCRA
- ✕Judgments under $3,000
- ✕Already satisfied or discharged judgments
How to Sell Your Illinois Judgment — 4 Simple Steps
Submit Online
5 minutes — share basic judgment details through our secure form
Free Review
We evaluate your Illinois judgment, debtor profile, and collectability at no charge
Cash Offer
Receive your personalized cash offer within 48 hours
Get Paid
Sign the assignment, receive payment by wire or check. Done.
Illinois Judgment Recovery — FAQ
How long is a civil judgment enforceable in Illinois?
In Illinois, civil judgments are generally enforceable for 7 years (up to 20 via revival). Judgments can typically be renewed before expiration to preserve enforceability. Cite: 735 ILCS 5/12-108; 5/2-1602.
What post-judgment interest accrues on my Illinois judgment?
Illinois judgments accrue post-judgment interest at 9% per annum. This interest is added to the unpaid principal balance from the date of judgment entry, increasing the total owed if the debtor does not pay promptly.
Is wage garnishment available in Illinois?
Yes. Illinois allows wage garnishment for civil judgments, generally limited to 25% of the debtor's disposable earnings under both state and federal law. Specific exemptions may apply.
What is the homestead exemption in Illinois?
The homestead exemption in Illinois is $15,000 ($30,000 joint). This amount is protected from judgment liens and execution on a debtor's primary residence. Judgments may still attach to equity above this threshold.
Can I sell my Illinois civil judgment?
Yes. Judgment assignment is legal in Illinois and all 50 states. Great Lakes Strategic Capital purchases qualifying non-consumer civil judgments entered in Illinois courts. Contact us at (517) 698-8273 or submit your judgment online for a free evaluation.
Legal Disclaimer: The information on this page is for general informational purposes only and does not constitute legal advice. Judgment enforcement laws change frequently. Always consult a licensed attorney in Illinois before taking enforcement action. Great Lakes Strategic Capital is not a law firm and does not provide legal advice.