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I hold a promissory note signed by husband and wife, witnessed

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I hold a promissory note signed by husband and wife, witnessed by a notary. It is now severely delinquent. Do I need to get a judgement in order to consider remedies such as a garnishment of wages? What other remedies do I have.

Jim Gouk
Submitted: 5 years ago.
Category: Legal
Expert:  Attorney & Mediator replied 5 years ago.
Unless you already had a lien attached to the property (to enable a foreclosure or repossession) yes, you would need to obtain a judgment first inorder to exercise the legal remedies to collect. There are no other remedies to consider if there are no liens or judgments already in place.

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