Indiana Judgment Enforcement Guide | Debt Collection & Skip Tracing

Indiana Judgment Enforcement — Quick Facts

10 yrs

Judgment Lifespan

6 yrs

Debt SOL (Written)

Post-Judgment Interest

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COMMUNITY PROPERTY STATE

Indiana provides a 10-year judgment lien with an 8% interest rate. Wage garnishment is available with standard protections, and the homestead exemption is relatively modest at $22,750. Real property liens can be highly effective for creditors with judgments against property-owning debtors.

Indiana Statute of Limitations on Debt

Debt Type	Limitation Period	Statute
Written Contract	6 years	`IC 34-11-2-9`
Open Account / Credit Card	6 years	`IC 34-11-2-9`
Oral Contract	6 years	`IC 34-11-2-7`
Promissory Note	6 years	`IC 34-11-2-9`
Judgment Lien	10 years	`IC 34-55-9-2`

Indiana’s 6-year SOL for written contracts is standard. Debtors who leave the state temporarily may toll the limitations period under IC 34-11-4-1.

Post-Judgment Interest Rate

Indiana post-judgment interest accrues at 8% per annum under IC 24-4.6-1-101. Interest is simple and begins on the judgment date.

Judgment Recovery Methods in Indiana

Wage Garnishment yes

Indiana permits garnishment of 25% of disposable earnings or the excess over 30× federal minimum wage, whichever is less (IC 24-4.5-5-105).

Bank Account Levy yes

Bank account garnishments are available after judgment. Creditor serves a written interrogatory on the financial institution (IC 34-25-3-1).

Abstract of Judgment / Lien yes

Recording a judgment in the county recorder’s office creates a lien on all non-exempt real property in that county (IC 34-55-9-2). Lien lasts 10 years.

Turnover Order yes

Indiana courts may order debtors to appear for examination and disclose non-exempt assets. Orders for assignment or turnover may follow (IC 34-25-2-1).

Writ of Execution yes

Writs of execution allow the sheriff to levy on non-exempt personal property and apply proceeds to the judgment (IC 34-55-1-1).

Vehicle Levy yes

Indiana exempts one motor vehicle up to $10,250 in equity under IC 34-55-10-2. Additional vehicles or equity above the cap may be levied.

Debtor Exemptions

Asset Type	Exemption Amount	Statute
Homestead	$22,750	`IC 34-55-10-2`
Motor Vehicle	$10,250 equity	`IC 34-55-10-2`
Wages	75% of disposable earnings	`IC 24-4.5-5-105`
Personal Property	$10,250 general	`IC 34-55-10-2`
Retirement	All ERISA-qualified plans	`IC 34-55-10-2(c)(6)`

Judgment Value Calculator

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Official Indiana Resources

Indiana Courts – MyCase Online SearchCivil case records statewide Indiana SOS – Business Entity SearchEntity & registered agent lookup Indiana County Recorder – Property LiensReal property & lien filings Indiana Code – LegislatureOfficial Indiana statutes

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Disclaimer: This page is for informational purposes only and does not constitute legal advice. Statutes change — verify current law with a licensed Indiana attorney before taking collection action.