Your Ultimate “How to Sue Someone That Owes Me Money” Checklist (2025 Edition)

Why This Checklist Matters

Trying to chase unpaid money? You’re not alone. Navigating small claims or civil court can feel like decoding legal jargon. This step‑by‑step checklist helps you figure out if, when, and how to file, with clear tips on what to bring to court, when bigger civil court may apply, and what to prepare before and after filing.

If you haven’t already read this guide to suing someone who owes you money, it’s a great overview. This checklist is your next step.

Pre‑Filing Items

• Confirm your case type. Are you owed wages or a small unpaid debt? Cases up to your state's small claims limit usually apply. If it’s wages, filing for small claims court for unpaid wages may be your best bet.

• Check jurisdiction & limits. Small claims limits vary (e.g. $5,000–$10,000). If your claim exceeds that, civil court is the next step.

• Try informal demand. Send a polite, documented demand notice (via email or letter) with a specified deadline. This indicates that you attempted to resolve the issue in court.

• Gather proof. Bank records, pay stubs, texts, emails, anything showing you’re owed money. These are what to bring to small claims court.

• Calculate total: Tally principal, late fees, interest. Know exactly how much you’re seeking (and whether it fits small claims limits).

During Filing

• Fill out your complaint. Use plain language to describe who owes you money, why, how much, and when.

• Choose the proper court. File at the county or district small claims court clerk’s office where the other party lives or where the debt arose.

• Pay the filing fee. Fees vary ($35‑$150), but many courts allow fee waivers if you qualify.

• Serve the defendant properly. Hire a process server or use certified mail per court rules. This ensures the other party gets official notice.

During Court

• Bring all documentation: originals + copies of demand letters, agreements, invoices, payment records, everything labeled and organized.

• Tell your story. Court expects facts: who, what, when, how much. Practice beforehand so your explanation is confident and concise.

• Use visual aids if possible. A timeline or simple chart can help a judge follow your side without relying on legal jargon.

• Be honest & calm. If you’re unsure how to answer something, it’s better to say “I don’t know” than guess.

• Understand the outcome options. The judge may rule in writing or verbally. They might ask for a written judgment later or give you the “money judgment” immediately.

Post‑Court Follow‑Up

• Check the judgment. Read it carefully. It states how much you’re owed and by when.

• Start collection. If the defendant doesn’t pay, you may need wage garnishment, bank levies, or property liens, depending on your jurisdiction.

• Set payment reminders. You’re still responsible for following up. Use calendar alerts so you don’t miss deadlines.

• Keep records. Save all court orders, receipts, or correspondence in case you need to enforce payment later.

Bonus: What to Bring to Small Claims Court

• Original & 3 copies of the complaint

• Demand letter or payment request

• Proof of the debt: invoices, contracts, pay records

• Evidence of attempts to collect

• Timeline or summary sheet (1‑page)

• Photo ID and any required witness contact info

Ready to Check Your Case?

Still wondering how to sue someone that owes me money, or if small claims court for unpaid wages is proper? Try the AI Civil & Small Claims Court Advisor by Goat Answer. It guides you through your situation, including the type of case you have, whether you should file a small claims case, how much to seek, and what to prepare, all quickly, privately, and for free.

If you’re still unsure or feel overwhelmed, the Advisor can help you figure out your next step in just a few minutes. It’s like having a legal assistant in your pocket, no hefty fees, no stress. Use it today and take control of your claim.