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The fact is: the debtor is not going to call you out of the blue and say "I have some extra money and want to give it to YOU," they haven{t paid you and then don{t intend to.It gets better: WE ADVANCE THE COSTS, attorney costs, etc. You lay out NOTHING!We will add the costs, as well as the interest to your judgment, greatly increasing the amount we are able to recover! You are not required to assign your judgment to us.There is no application fee or upfront costs. There is no retainer required.