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Avoiding Judgment Liens under Bankruptcy Case

Posted by Soo Hong | Sep 03, 2018 | 0 Comments

My unsecured creditor received a judgment against me and placed a lien on my property. Can I get rid of the judgment lien under my bankruptcy case?

When unsecured creditors (i.e. credit card company, medical provider) file a lawsuit and receive a judgment against you, they can file a lien or a “Writ of Fieri Facias” on your real and personal properties. If you own a house, the judgment creditor can file a lien specifically on your house.  Once the lien is filed, that unsecured debt changes status and becomes a secured debt. This means that your once credit card debt will be treated like a mortgage or a home equity loan. This is very significant when you file a bankruptcy case. If you ignore this lien and treat the debt as an unsecured debt under your bankruptcy case, the debt may be discharged but the judgment lien will survive the bankruptcy discharge. This means that once you receive a discharge and complete your bankruptcy case, the judgment lien will still be valid on your property and will have to be paid. It is very important to let your attorney know that you have a judgment against you and to check for any liens on your properties.

If there is a judgment lien, your attorney should file a “Motion to Avoid Lien” in a Chapter 7 bankruptcy case or avoid the lien in a Chapter 13 Plan, in order to make sure that the judgment lien and the debt is fully discharged at the end of your case.  if your bankruptcy case is already discharged and completed and a judgment lien was not avoided, there may still be ways to avoid the lien now.  

Contact us to learn more.

About the Author

Soo Hong

Soo Hong (홍수정) is an owner of Hong & Sessions Law, LLC. Soo prides herself in being able to provide strong personal relationships to her clients. She understands the importance of the tough issues and decisions that her clients are facing and is available for her clients through each step. She finds that the most important aspect of her role as an attorney is to always be available to answer any questions or concerns of her clients. Because of this personal attention, many of her former clients and their families have become close friends with her throughout her representation.


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