Collecting Your Judgment in Otsego County
You won in Michigan — now let's get you paid. Here's how judgment collection works in Otsego County, and where to file locally.
Where to file in Otsego County
Local court
87-A District Court
800 Livingston Blvd, Suite 1-C, Gaylord, MI 49735
(989) 731-0201
Who enforces the order
The Otsego County sheriff/marshal carries out levies and wage withholding once the court issues your order. Real-estate liens are recorded with the county recorder where the property sits.
Your collection options
These follow Michigan law. See the full Michigan guide for forms, fees, and deadlines.
Debtor's asset exam
Form MC 11 (Subpoena / Order to Appear) — Discovery Subpoena to examine the judgment debtorJudgment Debtor Discovery / Subpoena to Appear (examination of judgment debtor)
Wage garnishment
Form MC 12 (Request and Writ for Garnishment — Periodic, for wages); MC 13 (NonPeriodic); MC 14 (Garnishee Disclosure)Up to 25% of disposable earnings (federal CCPA limit applies) — the lesser of 25% of disposable earnings or the amount by which disposable earnings exceed 30x the federal minimum wage
Bank levy
Form MC 13 (Request and Writ for Garnishment — NonPeriodic); MC 14 (Garnishee Disclosure)NonPeriodic Garnishment (bank account / one-time funds)
Property lien
File a Notice of Judgment Lien (form MC 94) with the court clerk for certification, then record the certified notice with the Register of Deeds in the county where the debtor owns real property. Serve a copy on the debtor by certified mail (personal service if judgment is $25,000+). (MCL 600.2805 et seq.)
Doing it yourself in Otsego County
Michigan's enforcement forms are built for self-represented creditors, and the court and sheriff fees are modest and usually recoverable from the debtor. If you'd rather hand it off entirely, judgment-recovery firms and collections attorneys typically charge 33–50% of what they recover.
Otsego County Judgment Collection FAQ
Most enforcement paperwork is filed with the court that entered your judgment. In Otsego County, that is typically 87-A District Court, 800 Livingston Blvd, Suite 1-C, Gaylord, MI 49735 ((989) 731-0201). A lien on real estate is recorded with the county recorder/clerk where the property sits.
The Otsego County sheriff (or marshal/constable, depending on the county) carries out levies and wage withholding once the court issues the order. Contact their civil division for the current levy fee — it's a modest, recoverable cost, and the steps below cover when to pay it.
No — judgment collection isn't a service we offer. This guide covers the do-it-yourself path for Otsego County step by step. If you'd rather hand it off, judgment-recovery firms and collections attorneys typically charge 33–50% of what they recover.
Nearby counties in Michigan
General information about collecting a money judgment in Otsego County, Michigan — not legal advice. Court locations, fees, and procedures change; confirm current requirements with the local court before filing.
Have a different dispute that needs filing?
Collection isn't a service we offer — but if someone else owes you money, we prepare and file small claims cases for a flat $299 and draft demand letters for $149. Tell us what happened.
100% refund if we don't file your case
Prefer to talk it through? Call or text (424) 358-4927.