Judgment Lien
A judgment lien secures payment of a court judgment against property. Understand how judgment liens attach, persist, and can be removed.
Definition
A judgment lien is a court‑ordered claim that attaches to a debtor’s real property to secure the payment of a monetary judgment. After a creditor wins a lawsuit, they can record the judgment with the county recorder, creating a lien on any property owned by the debtor in that jurisdiction. The lien must be satisfied before the property can be sold or refinanced. Judgment liens typically remain in effect for a specified period and may accrue interest. Homeowners may remove a judgment lien by paying the debt, negotiating a settlement, or filing for bankruptcy in certain circumstances.
Why It Matters
Judgment Liencan affect financing, title, negotiations, or closing timelines. Sellers who understand it can set better expectations, while buyers can plan smarter offers and reduce surprises later.
Examples
Example 1: A seller clarifies judgment lien in disclosures to prevent disputes.
Example 2: A buyer evaluates judgment lien while comparing properties and loan options.
Example 3: Title or escrow highlights judgment lien requirements to keep the deal on schedule.
Tips
Ask how judgment lien applies in your deal before mutual acceptance.
Keep supporting documents organized and accessible.
Maximize market reach with a flat fee multiple listingservice.
Additional Context
Judgment Lien is often linked to financing requirements, property valuation, title conditions, or contract negotiations. Address questions early and document agreements in writing for a smoother closing process.
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