Judgment Lien Release Lawyer in Dallas, TX
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Judgment Lien Release Lawyer in Dallas, TX
Texas is a 100 percent homestead-exempt state, so a creditor cannot seize your homestead and sell it to satisfy a debt. Still, you can end up with a judgment lien on your homestead. This lien prevents you from selling or refinancing the property. Fortunately, there are legal actions you can take to release the lien quickly, without paying the judgment. The Dallas judgment lien release lawyers at the Ciment Law Firm have helped countless clients with this problem. Learn more and call the law firm for a free consultation.
Reasons to Hire a Judgment Lien Release Lawyer
Hiring a lawyer is an essential step in obtaining a release. Your Dallas judgment lien release lawyer will:
What Is a Cloud Title on Homestead in Dallas, TX?
A judgment lien doesn’t allow a creditor to seize your homestead, but it does cloud the title. Title companies notice the title defect when pulling the title for a real estate transaction. Most companies will not allow you to do anything with the real estate as long as the defect is in place, even though the property cannot be seized. You can get a partial lien release to clear the title. A partial release means that you are still liable for the judgment, but your homestead is clear.
The Process to Get a Partial Judgment Lien Release in Dallas, TX
Your judgment creditor is required to sign a partial release to clear the title if the judgment is preventing you from selling your homestead. However, judgment creditors don’t always follow the law. They might refuse to sign the lien or ask for additional documentation to prove that the property is your homestead. Your Dallas judgment lien release lawyer will go through the steps to get a partial release.
How to Get a Full Judgment Lien Release in Dallas, TX
If you want to remove the judgment entirely, your attorney can help you get a full release. This frees both you and the property from the judgment. You can remove the judgment by paying the balance in full or settling for less. Your attorney can work with the creditor to come up with an affordable settlement.
Contact Our Judgment Lien Release Lawyer in Dallas, TX
You are likely frustrated and worried about the judgment lien on your homestead. You can take control of the situation by reaching out to a judgment lien release lawyer in Dallas, TX. Speak to an attorney from the Ciment Law Firm by calling 866-284-9703.
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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.
- Positively Reviewed – Our firm has numerous positive reviews on Google, Avvo, and other websites.
- 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.
- Compassionate and Transparent – Patient and knowledgeable, the team is available to answer all questions and explain the process so that clients can reach their desired outcome.
- Six Office Locations – Schedule your appointment at an office in Katy,
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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.