Collecting when the judgment debtor has real property (land or house)
Collecting on Real Estate
You can request a lien against real estate.
See Instructions on How to Collect a Judgment and Completing a Writ of Garnishment (JDF 82), under the heading “Steps to Requesting a Lien Against Real Estate”).
See the below checklist for the steps for requesting a lien.
How Long Does a Lien Last?
The lien continues for as long as the judgment is valid (6 years from date of County Court Judgment and 20 years from date of District Court Judgment). While the lien is in place, the judgment debtor will not be able to sell or mortgage the property until judgment is paid and lien released by judgment creditor.
What Happens When a Judgment is Satisfied?
Once the judgment is satisfied (paid), you must complete a satisfaction of judgment and release the lien. See JDF 111 (instructions in JDF 82).
Foreclosure
You may be able to foreclose on a judgment lien, but this process is complicated and you should speak to an attorney.
Links to Instructions & Forms
Instructions on How to Collect a Judgment and Completing a Writ of Garnishment (JDF 82)
Satisfaction of Judgment (Full or Partial) (JDF 111)
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