For each judgment, the JB contacts
What does a JB do? They attract and research judgments, noting all the factors that determine who is best suited to enforce the judgment. The JB (and anyone else) should only be paid if the original judgment creditor is repaid. The JB has every incentive to pick the best-suited judgment enforcers to maximize the chances of successful recoveries of every judgment.
The second reason a JB is needed is because most Judgments are never collected because laws tend to make it difficult to collect from debtors. A few judgments are sold for cash, especially in States where future payment for judgments is not allowed.
In a bad economy, many judgment owners are more eager to aggressively recover judgment money from judgment debtors. Many judgment debtors would find it much cheaper and easier to simply pay something to settle the judgment against them. Settling can save a lot of money and get the judgment off of credit reports, which improves credit scores.
4. If the offer makes sense, the debtor can choose to tell the judgment settler yes. Then the debtor gets their settlement funds ready, usually in the form of a cashier’s check from their bank, or negotiates a payment plan they can work with.