A judgment lien can be attached to the debtor's real estate -- meaning a house, condo, land, or similar kind of property interest. 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. To obtain a judgment lien, you must first record the judgment with the court of common pleas in the county where the debtor owns property. Step 1 to collect a judgment in Pennsylvania is to file and record the judgment in each and every county where the debtor resides or owns real property. A secured creditor has taken a lien on a debtor's real or personal property in exchange for a loan. This requires a lawsuit involving the property owner, all mortgage holders, all judgment lien holders and anyone else with an interest in the property. From what I've read, a judgment lien in PA applies to all property of the debtor if property is in the same county as. Show All Answers. 1.