Sample report: Broward County judgment, $33,200.

S. Domingo (DOB 19xx · last known address Pompano Beach, FL). Active Chapter 13 case filed 2025-11-04 in the U.S. Bankruptcy Court for the Southern District of Florida (Case No. 25-20114-RAM). 11 U.S.C. §362 automatic stay is in effect. Subject judgment is listed in Schedule F of the petition.

Recovery posture is unfavorable. The Chapter 13 confirmed plan proposes 6¢ on the dollar over 60 months for general unsecured claims, including the subject judgment. Direct collection activity outside of bankruptcy is prohibited under 11 U.S.C. §362(a) and exposes the firm and its client to sanction risk under §362(k).

Cause number

CACE-22-018824

Court of record

17th Judicial Circuit, Broward County, FL

Judgment amount

$33,200.00 principal + costs

Date entered

2023-02-14

Statute of limitations

Stayed — 20-year FL period (FL Stat §95.11) tolled while bankruptcy stay is in effect.

1. 2023-02-14Subject judgment enteredCause No. CACE-22-018824 · $33,200 principal + costs
2. 2025-11-04Chapter 13 case filed (PACER)Case No. 25-20114-RAM · S.D. Fla. Bankruptcy · 11 U.S.C. §362 automatic stay in effect
3. 2026-01-12Plan confirmation hearingConfirmed plan: 6% to general unsecured creditors over 60 months
4. 2026-04-11Stay still in effectVerified against PACER docket — no §362 motion granted

Score: 12 / 100 — High confidence. The score reflects an active Chapter 13 case with a confirmed plan proposing 6% recovery on general unsecured claims. The subject judgment is properly scheduled, which means the debt is dischargeable on plan completion if confirmed.

Confidence is High because the bankruptcy filing, schedules, and confirmation order are public PACER records. The recovery percentage is taken directly from the confirmed plan filed at docket entry #34. No estimation or inference is involved.

The score is not zero because (a) the Chapter 13 plan can fail and convert to Chapter 7 with potentially better non-exempt liquidation, and (b) the FL homestead's unlimited equity and the bankruptcy schedule of the Honda Civic do not foreclose post-discharge collection on non-dischargeable categories. Neither of those scenarios is the base case.

1. Step 1Week 1
   File a proof of claim in the Chapter 13 casePreserves the firm's position for the ~6% plan distribution without violating the stay.
2. Step 2Ongoing
   Docket monitoring for dismissal or conversionIf the plan converts to Chapter 7 with non-exempt assets, the posture changes and we re-pull.
3. Step 3Do not
   No writs, garnishments, or debtor contactAny direct collection activity is a stay violation under 11 U.S.C. §362(a).

Windows are illustrative sequencing, not commitments or legal advice. Actual timing depends on court calendars and your firm's strategy.

DO NOT PURSUE. Direct collection activity (writs, garnishments, contact with debtor) is prohibited under 11 U.S.C. §362(a) and exposes the firm and its client to actual damages, costs, and attorney's fees under §362(k), plus possible punitive damages.

The defensible action here is to file a proof of claim in the bankruptcy case and monitor the docket for plan confirmation, dismissal, or conversion. If the plan is dismissed or converted to Chapter 7 and there are non-exempt assets, the recovery posture changes — Writrun will re-pull on request.

Writrun does not provide legal advice. Your firm makes all decisions about strategy, timing, and filings.

1. [1]https://pacer.uscourts.gov/2026-04-11T10:00Z
2. [2]https://www.bcpa.net/2026-04-11T10:02Z
3. [3]https://www.flhsmv.gov/motor-vehicles-tags-titles/2026-04-11T10:03Z
4. [4]https://www.browardclerk.org/2026-04-11T10:05Z
5. [5]https://dos.fl.gov/sunbiz/2026-04-11T10:07Z