Skip to main content
ID Judgment Collection

How to Collect Your Judgment in Idaho

You already won. Here's how to actually get paid — debtor's exam, wage garnishment, bank levies, and property liens, with the exact Idaho forms and deadlines.

5 years (renewable)
Judgment good for
5% plus the 'base rate' in effect when judgment is entered. Base rate = the weekly average yield on 1-year U.S. Treasury securities (constant maturity), rounded up to the nearest 1/8%, set each July 1 by the State Treasurer and fixed for judgments entered in the following 12 months.
Interest accrues at
Available
Wage garnishment
10 yrs
Property lien

Your collection options in Idaho

Work them roughly in this order — find the assets first, then go after them.

1

Find the money — debtor's asset exam

Form Motion and Affidavit for Examination of Judgment Debtor under I.C. 11-501; Order for Examination of Judgment Debtor under I.C. 11-501 (Idaho Judicial Branch forms)

Compels the debtor to disclose, under oath, where they bank, work, and what they own — the information every other step depends on.

After a writ of execution is returned unsatisfied (in whole or part), the creditor obtains a court order under Idaho Code 11-501 requiring the debtor to appear and answer under oath about property. The debtor cannot be required to appear outside the county of residence. The creditor may also examine third parties who owe the debtor (I.C. 11-504).

2

Garnish wages

Form Writ of Continuous Garnishment / Writ of Execution with garnishment (issued by the clerk; served by sheriff)

Diverts part of the debtor's paycheck to you — up to Lesser of 25% of weekly disposable earnings, or the amount by which weekly disposable earnings exceed 30x the federal minimum wage..

A continuing wage garnishment served on an employer remains in force until the judgment is satisfied (Idaho Code Title 11, Chapter 7). 25% cap per Idaho Code 11-712 (RESTRICTION ON WAGE GARNISHMENT — MAXIMUM).

Filed with: Court that entered the judgment; the writ is delivered to the sheriff of the county where the employer/garnishee is located for service.

3

Levy the bank account

Form Writ of Execution with Notice of Garnishment (served on the bank as garnishee)

Freezes and pulls non-exempt funds straight from the debtor's bank account.

Creditor obtains a writ of execution from the clerk; the sheriff serves it as a garnishment on the bank, which must answer (examination of garnishee, I.C. 11-717) and surrender non-exempt funds. Exemptions must be claimed by the debtor.

4

Lien their real estate

Attaches to property the debtor owns for 10 years — you get paid when they sell or refinance. The cheap, passive backstop.

Record a transcript or abstract of the judgment (certified by the clerk) with the county recorder in any county where the debtor owns real property (Idaho Code 10-1110); the lien attaches from the time of recording. The abstract must contain the court/case title and number, names of creditors and debtors, time of entry, and amount.

The fine print that matters in Idaho

How long your judgment lasts

An Idaho money judgment is enforceable for 5 years from entry and may be renewed for additional periods by motion to renew filed before expiration (Idaho Code 10-1111). Note: a recorded judgment LIEN on real property continues 10 years from the date of the judgment for judgments entered on/after July 1, 2015 (Idaho Code 10-1110), a separate clock from the 5-year enforcement period.

Interest while you wait

Idaho Code 28-22-104(2). The annual legal rate is published by the Idaho State Treasurer. (Idaho Code 10-1509 addresses prejudgment/judgment interest in tort actions.)

What the debtor can protect (exemptions)

Idaho exemptions are in Idaho Code Title 11, Chapter 6 (e.g., 11-605 personal property, 11-603 benefit income) and the homestead exemption in Title 55, Chapter 10 (Idaho Code 55-1003 et seq.). Idaho has opted out of the federal bankruptcy exemptions. Wage exemption / garnishment max in 11-712.

Idaho gotchas

Two different clocks: the JUDGMENT is enforceable 5 years (renewable, I.C. 10-1111) but a recorded LIEN on real property lasts 10 years from the judgment date for post-7/1/2015 judgments (I.C. 10-1110). A debtor's examination generally requires a prior writ of execution returned unsatisfied. The legal interest rate floats annually (set each July 1).

Let us prepare your Idaho collection paperwork

We prepare your Idaho-specific enforcement forms — debtor's exam, garnishment, levy, or lien — plus a plain-English playbook telling you exactly where to file and what each step costs. You file them; we never charge a cut of what you collect.

$299
flat — plus the court/sheriff's own filing fees, paid directly

Collection firms take 33–50% of what they recover. On a $4,000 judgment that's $1,300–$2,000. Our flat fee keeps the rest in your pocket.

Idaho Judgment Collection FAQ

A Idaho judgment is enforceable for 5 years, and can be renewed before it expires. An Idaho money judgment is enforceable for 5 years from entry and may be renewed for additional periods by motion to renew filed before expiration (Idaho Code 10-1111). Note: a recorded judgment LIEN on real property continues 10 years from the date of the judgment for judgments entered on/after July 1, 2015 (Idaho Code 10-1110), a separate clock from the 5-year enforcement period.

Yes. Garnishment in Idaho can reach Lesser of 25% of weekly disposable earnings, or the amount by which weekly disposable earnings exceed 30x the federal minimum wage.. Exemptions: Standard federal-style protections plus Idaho exemptions (Idaho Code 11-603 et seq.): benefit income such as Social Security, unemployment, workers' comp, public assistance, and pensions is exempt. Debtor may file a claim of exemption.

Through Examination of judgment debtor (proceedings supplementary to execution) (Motion and Affidavit for Examination of Judgment Debtor under I.C. 11-501; Order for Examination of Judgment Debtor under I.C. 11-501 (Idaho Judicial Branch forms)) — the court orders the debtor to appear and disclose their assets under oath. After a writ of execution is returned unsatisfied (in whole or part), the creditor obtains a court order under Idaho Code 11-501 requiring the debtor to appear and answer under oath about property. The debtor cannot be required to appear outside the county of residence. The creditor may also examine third parties who owe the debtor (I.C. 11-504).

Record a transcript or abstract of the judgment (certified by the clerk) with the county recorder in any county where the debtor owns real property (Idaho Code 10-1110); the lien attaches from the time of recording. The abstract must contain the court/case title and number, names of creditors and debtors, time of entry, and amount. The lien lasts 10 years.

You pay the court and sheriff their own filing/levy fees directly (usually modest, and recoverable from the debtor). Our Judgment Collection service is a flat $299 — we prepare your Idaho-specific enforcement forms and a step-by-step filing playbook; you file them. Compared with collection firms that take 33–50% of what they recover, that's hundreds to thousands less on a typical judgment.

Some debtors are "judgment-proof" — no job, no bank account, no equity — and no tool can squeeze money that isn't there. The honest play is the debtor's exam to confirm what exists, then keep the judgment alive (it lasts 5 years and is renewable) and try again when their situation changes. We give you the tools, not a guaranteed payout.

Ready to File Your Case?

Tell us about your situation and we'll take it from there.

100% refund if we don't file your case

Prefer to talk it through? Call or text (213) 306-2537.

Get Case Evaluation Call Now