A judgment lien can be attached to the debtor's real estate -- meaning a house, condo, land, or similar kind of property interest. The Pennsylvania debt collection process typically involves 5 steps.Your first step as a judgment creditor is to convert your verdict or other court determination declaring both parties' rights and obligations into a judgment. Filing a judgment lien on a property can help you collect a debt, but a number of factors can affect the outcome. Read on to find out. If there is a lien on a property you own or are looking to buy, you can apply for a lien settlement to reduce the fine amount due. Please use the link below. Online Search of Official Records.