For Maryland Credit Unions
Turn Written-Off Judgments Back Into Revenue
Post-judgment recovery for credit unions holding judgments on charged-off member loans — the ones your attorneys obtained but stopped actively collecting.
Licensed & bonded, member-sensitive, specializing in Maryland judgment recovery since 1990.
Written off doesn't mean unrecoverable
When a member loan is charged off and reduced to a judgment, the balance is written down on your books — but the judgment itself is still a legal right to collect, often for years. The problem is that judgments tend to stall after entry: most attorneys obtain them well but aren't built to run sustained enforcement. We are. Place the judgments your attorneys have exhausted, and we work to convert them back into real dollars.
What we recover
We take judgments your credit union already holds — the court judgments that came out of charged-off member accounts. Once an account is a judgment, the original loan type doesn't matter: auto, signature, credit card, or a deficiency balance after a repossession are all enforced the same way.
If a charged-off account hasn't been taken to judgment yet, that suit-to-judgment step stays with your attorneys. Our lane is everything that comes after the judgment is entered — the enforcement stage where most recovery is won or lost.
Member-sensitive, compliance-conscious handling
Credit unions are member-owned, and your reputation matters even when an account has gone to judgment. We're a licensed, bonded Maryland collection agency and handle every account professionally and in compliance with the FDCPA. The goal is to recover written-down dollars while treating people with dignity — not to create member-relations or compliance headaches for your institution.
Why credit unions recover more with JP Jensen
Post-judgment recovery is our entire business, and has been since 1990. We know Maryland enforcement cold and go after the judgments most collectors abandon.
Wage & Bank Garnishment
The core recovery tools against a debtor's paychecks and bank accounts — filed and pursued correctly the first time.
Liens on Real Property
Recording judgment liens so a sale, refinance, or foreclosure has to satisfy the judgment before the debtor sees a dollar.
Skip-Tracing & Asset Location
Locating members who moved, changed jobs, or shielded assets — the legwork that stalls most in-house recovery efforts.
Renewals Before Expiration
Maryland judgments last 12 years and are renewable. We track deadlines so a collectible judgment never quietly lapses.
Start with your oldest judgments. The ones nearing Maryland's 12-year expiration are the most urgent — and the lowest-risk place to start. There's nothing to lose on a judgment about to become worthless. See why older judgments are worth more than institutions assume.
How placement works
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Send your judgments: Start with the oldest or the ones your attorneys have stopped pursuing. No pre-judgment charge-offs — just entered judgments.
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We run Maryland enforcement: Garnishments, liens, skip-tracing, and renewals, handled professionally and in compliance, with regular reporting to your team.
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Contingency — you recover written-down dollars: No upfront fees. We're paid a percentage of what we actually collect, so recovery on written-off balances goes straight to your bottom line.
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Scale as you see results: Once you've seen recovery on the first batch, most institutions place more of their judgment inventory with us.
Track record & credibility
Frequently Asked Questions
Have judgments sitting on your books?
Start with your oldest and see what we recover. No upfront fees, contingency-based, and transparent pricing.
This page is provided for informational purposes only and is not legal advice. JP Jensen Collections, LLC is a licensed Maryland collection agency, not a law firm.