Small claims collection ROI

Decide whether to pursue a small claims judgment by computing expected net recovery — judgment likelihood, collectibility rate, and time cost.

Amount owed

Likelihood of winning

75% typical for documented debts; 40% for he-said-she-said.Collectibility %

35% national average. 70% if judgment-debtor has W-2 wages or property.Filing + service

Your hours of time

Your hourly opportunity cost

Expected net recovery

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