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.Section 61.062 - Judgment and Foreclosure (a) If the plaintiff recovers in the suit, the attachment lien is foreclosed as in the case of other liens. Most foreclosures in Texas are non-judicial. These are held on the first Tuesday of each month between 10 am and 4 pm at a designated spot. A "default judgment" is a judgment in favor of the lender when the borrower doesn't respond to a foreclosure lawsuit (a judicial foreclosure). A judgment lien is security for the judgment debt. You can't pay bills with a judgment: How to turn a court victory into a judgment lien, and use it to collect from your customer's property. A judicial foreclosure begins with a lawsuit to establish the debt and fix the lien. In a judicial foreclosure, a lawsuit must be filed, and the plaintiff's petition in the lawsuit must ask the Court to grant an order for foreclosure.