Judgment Lien Release Lawyer in Katy, TX
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Judgment Lien Release Lawyer in Katy, TX
Debt is always stressful, but the stress is amplified when a creditor places a judgment lien on your property. As a 100 percent homestead-exempt state, the creditor cannot seize your property. However, the judgment lien clouds your title, so you cannot sell or refinance the property. Fortunately, the law is on your side. First, contact a judgment lien release lawyer in Katy, TX. Then, your attorney will protect your rights.
Clear Your Title With a Judgment Lien Release Lawyer
Don’t try to obtain a lien release on your own. The process is much smoother when you use a judgment lien release lawyer in Katy, TX. Your attorney will help you by:
Cloud Title on Homestead Due to a Judgment Lien in Katy, TX
Title companies make sure that titles are clear before approving real estate transactions. A judgment lien clouds the title, which means it’s not clear. If the title company were to move forward, it would be liable for the judgment if the property isn’t really your homestead. Thus, the only way to move forward is to clear the title with a full or partial lien.
The Steps for Getting a Partial Judgment Lien Release in Katy, TX
The Ciment Law Firm has successfully obtained numerous partial lien releases. Your judgment lien release lawyer in Katy, TX, will work with the creditor to obtain the release. Because of the homestead exemption guidelines, your creditor is legally obligated to sign a partial release. However, if your creditor tries to stand in the way and prevent you from selling the property, your attorney can take legal action while filing for a partial release through the County Clerk’s office.
How to Get a Full Judgment Lien Release in Katy, TX
With a partial lien release, you’re still attached to the judgment. You can remove the judgment entirely with a full judgment lien release. While your creditor might say you have to pay the balance in full to release the judgment, that’s not always the case. Often, a judgment lien release lawyer in Katy, TX, can negotiate for a much lower settlement. Then, you just have to pay it to get rid of the judgment lien.
Contact Our Judgment Lien Release Lawyer in Katy, TX
If you have a lien on your home, it’s time to get help. The Ciment Law Firm can help you obtain a partial lien release. Begin the process by calling our judgment lien release lawyer in Katy, TX, at 866-284-9703.
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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.