Each state has its own legal process for these actions. Strict compliance with the law is necessary.The creditor with a judgment must give you notice of your right to protect your property. If the property is in the same state, but a different county, they can get the lien no matter what. (a) Where and When Action Commenced. --An action to enforce a claim of lien on real property may be commenced in any county where venue is otherwise proper. Southlake Holdings, LLC, 171 N.C. App. 147,. Judgment liens on personal property in Florida are filed with the Florida Department of State. If a creditor sues you to collect on an unpaid debt and wins, they'll get a court judgment against you. Law offices can easily search for judgments and rulings against party names prior to the submission of real estate documents.