Judgment Lien Release Lawyer in Houston, TX
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Judgment Lien Release Lawyer in Houston, TX
If you are in debt, you likely live in fear of what might happen next. That fear has intensified now that you realize a creditor has placed a judgment lien on your homestead. Because Texas is a 100 percent homestead-exempt state, your creditor cannot sell your homestead to pay off the debt. However, the judgment lien clouds your title, meaning that title companies are unlikely to approve any real estate transactions. Fortunately, a judgment lien release lawyer in Houston, TX, can clear your title and remove the judgment from your homestead.
Get Legal Help From a Judgment Lien Release Lawyer
Hiring a judgment lien release lawyer in Houston will help you get the release quickly. Your attorney will:
Judgment Lien and Cloud Title in Houston, TX
When you attempt a real estate transaction, the title company checks the title to ensure it’s clear. A judgment lien clouds the title, which is a red flag for title companies. You cannot move forward until you clear the title with a full or partial release.
Clear Your Title By Getting a Partial Judgment Lien Release in Houston, TX
If you want to remove the lien from your homestead quickly, a partial release is the right choice. The judgment remains with you, but it is no longer on your homestead, so the title is clear once again. Your Houston judgment lien release lawyer will work with the creditor to obtain the release. If the creditor cannot be found or refuses to sign the release, your attorney will need to file paperwork with the County Clerk’s office to remove the lien from the property. The title is clear as soon as the partial release is authorized.
Contact Our Judgment Lien Release Lawyer in Houston, TX
If a judgment lien is preventing you from selling or refinancing your home, a judgment lien release lawyer in Houston, TX, can help. Call the Ciment Law Firm at 833-779-9993 to schedule your consultation.
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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.