In Pennsylvania, if a creditor sues you and obtains a judgment, it can become a lien against your home or other real property. (If the judgment is from another county, the creditor would need to transfer it to your county.) However, a creditor without a judgment cannot lien your property.

The process in California, and in many states, requires that the unsecured creditor file a lawsuit against you for the debt. The creditor cannot simply go and record a lien on your property for the debt owed.

In some states, a judgment lien can attach to any property owned by the debtor. In Pennsylvania, though, a judgment lien can only be placed on real property.

Undiscovered liens can result in high fines and even foreclosure on the home you worked so hard to obtain. Creditors should make all possible attempts to notify property owners of liens placed on their property but some liens can still go unnoticed so homeowners must take steps to protect themselves.

Pennsylvania judgments are valid for 5 years. Judgments can be revived every 5 years and should be revived if a creditor is attempting to actively collect on the debt. Judgments also act as a lien against real property for up to 20 years or longer if properly revived.

If a creditor puts a lien on your property, you may make an offer to settle the amount for less than you owe. 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.

Steps to file a mechanics lien in Pennsylvania Fill out the Pennsylvania mechanics lien form. Fill out the PA lien form completely and accurately. File your lien claim with the county recorder. Serve a copy of the lien to the property owner.

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. The lien will stay in effect for five years, but can be renewed, if the debtor does not sell the property within that time period.

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Use code enforcement numbers to request a payoff. A judgment lien can be attached to the debtor's real estate -- meaning a house, condo, land, or similar kind of property interest.Judgment liens are typically recorded in the county where the property is located. 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. 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. Section 1124 - Lien of judgments. 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. Our lien removal attorneys in Philadelphia are ready to answer your questions. Call (888) 801-7765 or complete our online form to request a free consultation. In order to perfect your lien claim, it must be filed in the prothonotary's office of the county court where the property is physically located.

Judgement Lien On My House In Philadelphia

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