As part of the negotiations, get the creditor to release the lien. Consider hiring a debt settlement lawyer to help you if you need help in the negotiations.Know your rights when you get a judgment lien. Judgment liens provides creditors with the right to receive a portion of the proceeds from the sale of the property. 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. Any lien on any real estate, consensual or judicial, must appear in the county land records to be effective. A judgment lien gives you personal stake in a debtor's property. In other words, it allows you to turn an unsecured loan or debt into a secured one. In most states, a judgment automatically becomes what is called a "judgment lien" on real property, which includes a home on land. A judgment lien attaches to practically all of the debtor's real property in the county where the judgment was entered.