To attach the lien, the creditor files the judgment transcript with the county clerk in the New York county where the debtor's property is located. If a creditor sues you and wins, they can request a judgment lien against your property, including your car.A judgment lien is a court ruling giving a creditor the right to take possession of a debtor's property if the debtor doesn't fulfill their obligations. Judgment liens on vehicles. New Jersey lien holders must visit a motor vehicle agency to complete this transaction; out-of-state lien holders may submit through the mail. I recently found out that I own money from a default judgement. Show that the vehicle is registered in the name of that debtor. You can also obtain a judgment lien and place it on real property such as a house or even personal property such as an automobile. If the Judgment Debtor owns real estate, you can place a lien on their property.