Its simple go online to the many small claims court filers cost a couple hundred and they do absolutely everything for you. Once you get the judgement with all the late fee's and extra charges, interest, late payment penalty and the like. Than find one of the many slime balls that buy judgements and sell it off and be done with it.

Real simple no big deal i deal with mortgage brokers and about every 6 months i file 12 of them show up get all my judgements and off i go takes a couple of hours and off i go. By the time im done i actually make a few bucks if its done right.