Judgment Lien Release
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Judgment Lien Release Lawyer in Texas
If you’re like many Texas residents, you didn’t realize a creditor had placed a judgment lien on your house until you tried to sell or refinance. The lien has placed a cloud on the title, so you cannot make real estate transactions. You’re likely worried and frustrated, but there is a solution to this problem. The Ciment Law Firm can obtain a judgment lien release so you can move forward with your transaction. Learn more about the process and call our judgment lien release lawyer in Texas for help.
Reasons to Hire a Texas Judgment Lien Release Lawyer
If you want to remove the lien from your homestead quickly, a lawyer can help. Your judgment lien release lawyer in Texas will:
Dealing With a Cloud Title on Homestead in Texas
Anytime you make a real estate transaction, a title company pulls the title and looks for defects. If defects are found, the transaction is stopped. A judgment lien clouds the title, preventing you from selling or refinancing the property. Once the lien is released from the homestead, the cloud is removed.
Get Legal Help for a Partial Judgment Lien Release in Texas
You can move forward with your real estate transaction quickly by obtaining a partial lien release. This removes the lien from the property without invalidating the judgment against you. Texas law does not allow creditors to prevent consumers from selling their homesteads. Your judgment lien release lawyer in Texas, will send the necessary paperwork to the creditor to release the lien on the homestead. Your attorney can take additional action if the creditor refuses. Generally, a partial release can be obtained in 45 days or less, even if the creditor refuses to comply.
Move Forward With a Full Judgment Lien Release in Texas
Do you want to get rid of the lien in its entirety? If so, you can consider a full judgment lien release. While you can release the lien by paying the balance in full, that’s just one option. Your judgment lien release lawyer in Texas can also work with the creditor to reduce your obligation. Once a settlement is reached, you can finally put the judgment lien behind you.
Contact Our Judgment Lien Release Lawyer in Texas
You don’t have to live with a judgment lien on your homestead. Protect your legal rights with help from a judgment lien release lawyer in Texas. Schedule your free consultation by calling the Ciment Law Firm at 833-779-9993.
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Why Choose The Ciment Law Firm, PLLC?
- Free Consultation – Find out which debt resolution option is best for you during a free consultation.
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- Options for All Needs – From bankruptcy protection to judgment lien releases and student loan assistance, our firm provides ample options to resolve your debts.
- Experience on Both Sides of the Field – Daniel Ciment started his career at a debt collection law firm and now protects those in debt. His experience on both sides allows him to find solutions for his clients.
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Cloud Title On Homestead
You must have a clear title when refinancing or selling a home, which is why an abstract of judgment is problematic. The judgment lien creates a title defect or a cloud on the title. This means that there is an unresolved issue that must be addressed before making any real estate transactions. Title companies enforce the lien as a way to protect themselves in case the home isn’t eligible for homestead exemption because it’s not your primary residence. If a title company allows the transaction to proceed and the property isn’t your homestead, it has to pay the judgment. Fortunately, a Texas judgment lien release lawyer can remedy this issue.
Getting A Full Release
In some instances, you have to get a full judgment lien release. This completely releases the judgment, so it isn’t attached to you or your property. There are normally two options for obtaining a full release. First, you can pay the judgment in full. If you don’t have the means to do that, your Texas judgment lien release attorney might be able to negotiate a settlement. If the creditor accepts the settlement, you will receive a full release once it’s paid. Without taking action, the judgment will remain valid for 10 years. It’s important to contact a judgment lien release attorney to go over your options if you need a full release.
Proof Of Homestead
Judgment creditors often require proof of homestead before signing a partial lien release. Your Texas judgment lien release attorney will help you provide the necessary documents. You might need to submit an affidavit that states that the property is your homestead. The creditor also might require a tax certificate that proves you’ve filed for homestead exemption. In addition, the creditor might ask for affidavits from others that state that the property is your homestead, and you live there. In some cases, the creditor can even require the escrow agent to examine the property to ensure it’s your homestead. Due to the complexity of proving homestead, it’s a good idea to get help from a Texas judgment lien release attorney.