This notice is often referred to as a "Notice of Default. A judicial foreclosure requires the lienholder to file a civil lawsuit against the homeowner.To place a judgment lien, you or your attorney file an abstract of judgment (AJ) in any county where the defendant owns nonexempt property. Chapter 13 bankruptcy may stay foreclosure. Judgment for Defendant - Lien Foreclosure - Bench Trial - Updated March 2023. Judgment for Defendant - Lien Foreclosure - Jury Trial - Updated March 2023. A judgment lien can be attached to the debtor's real estate meaning a house, condo, land, or similar kind of property interest. Contact us immediately at (832) 831-0833 for a free foreclosure defense consultation or fill out our form. It is possible that property can be sold for delinquent taxes.