The easiest procedure is to file a motion for summary judgment in lieu of complaint. A creditor can sue you to get a judgment against you.The judgment is considered a lien against your property, including any real estate that you have, in the state in which the judgment is filed. This booklet provides information on how to collect a judgment in a civil case having a "J" or. 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. 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 "second mortgage" is the second in time to be recorded in the land records on that property. Judgment creditors must: •Record a copy of the order designating exempt property. •Record in the county where the real property is located.