I am not a lawyer, I am a judgment referral expert (Judgment Broker). Most judgment debtors do not care about default judgments. If they cared, they would have showed up at court. When someone recovers a judgment by having a sheriff take money or assets from the debtor, the debtor may suddenly care very much, and start a procedure to vacate the judgment because “they were not served”.
If you want the writ to include costs you incurred (such as debtor exams, liens, previous levy costs) and interest earned on a judgment, you need to fill out a Memorandum Of Costs (MC-12) form, and if there are costs, serve the MC-12 by mail to the debtor.
Most States let you levy on any branch of the bank within the State. In California, the law is (unless the bank agrees otherwise) one must serve the exact same branch of the bank where the debtor first opened their account.
The person serving the debtor must not be you. They can be a process server business, someone that works a mailbox rental store, a friend, etc. They might charge you. (If they do not charge you, consider giving them a gift once in while.) They need to sign page 2 of the MC-12, (I recommend lending them a blue pen to sign, which shows the original copy that the court requires), seal the envelope, and deposit the stamped and sealed envelope addressed to the judgment debtor, in an active mailbox or the post office.
On the levy forms and your Sheriff letter of instruction, include the case number, party names, and court location. The court clerk will note in their case file and/or their computer, that your lien is now attached to your debtor’s judgment. Then, you can pay the Sheriff to sell your debtor’s judgment at an auction and perhaps credit bid for it.
Foreclosure – a legal process that the bank takes when you stop making your mortgage payment. This process would enable the bank to, in the end, repossess your home. The actual timing and when they would start the process depends on your state laws. Say for example, if you haven’t been making payments for 2 months, then on the 3rd month they could start the process.
I have found that taking care of these three items have contributed greatly to my success as a process server. They just make an attorney feel comfortable with using a you because you have your ducks in a row.