---
title: "Confession of Judgment: Useful, but Particular"
description: Keywords to insure a debt to be collectible
---

[Legal Insights | Dan Gallatin's Desk Blog ](https://www.gallatin-law.com/blog)

# [Confession of Judgment: Useful, but Particular](https://www.gallatin-law.com/blog/confession-of-judgment-useful-but-particular)

 Written by [Dan Gallatin](https://www.gallatin-law.com/blog/author/dan-gallatin) | May 18, 2022 3:07:21 PM

There are situations where both sides to a debt agree on money being owed.  The question is:  how to document and collect it?

 

A confession of judgment is a very useful, but particular instrument used to document debt and repayment.  In a nutshell, if your debtor in Duluth agrees to repay you in Hugo a certain full amount with payments, you recite the same in the Confession.  Upon a breach of the Confession, the creditor is authorized to file the Confession with an acknowledgment.  That confession then becomes a judgment and various tools of collection become available.   It allows you to bypass litigation, dispute over the amount owed, and other steps in order to skip directly to a docketed judgment and collection.

 

One very important, **required** clause in your Confession is “a statement, signed and verified by the defendant, authorizing the entry of judgment for a specified sum.”   Even if you do everything else right, if you do not have this clause your Confession is invalid and you will not be granted a judgment.

 

Keep this in mind as a tool for efficient documentation of debts owed.  There are other important clauses and clarity in the writing of the details is critical.  I have prepared and litigated these documents, as well as successfully used them for collection.  If you have questions, reach out and let's talk.

[View full post](https://www.gallatin-law.com/blog/confession-of-judgment-useful-but-particular)

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