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Judgment Lien Release Lawyer In Austin, TX
You knew you had some past-due debt, but you might not have realized a creditor put a judgment lien on your property. The lien put a cloud on your title, preventing you from selling or refinancing your property. You don’t understand how this happened since Texas is a 100 percent homestead-exempt state. Because of that, the law is on your side, but you need to take steps to release the lien. A judgment lien release lawyer in Austin, TX, can quickly move through the process, allowing you to make real estate transactions with ease. Learn more about judgment liens in Austin, and then contact the Ciment Law Firm for help.
How A Judgment Lien Release Lawyer Can Help
An Austin judgment lien release lawyer will work with the judgment creditor and the creditor’s lawyer to clear up your problem. Your lawyer from the Ciment Law Firm will:
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How A Judgment Lien Release Lawyer Can Help
When an abstract of judgment is placed on your homestead, it clouds the title. That means your title has a defect. Title companies are unlikely to move forward with a real estate transaction when there is a defect. Technically, real estate companies should release the title if you have a homestead exemption, but they usually don’t. Fortunately, a judgment lien release lawyer in Austin can obtain a partial release to clear the title.payment plans.
Cloud Title On Homestead In Austin, TX
When an abstract of judgment is placed on your homestead, it clouds the title. That means your title has a defect. Title companies are unlikely to move forward with a real estate transaction when there is a defect. Technically, real estate companies should release the title if you have a homestead exemption, but they usually don’t. Fortunately, a judgment lien release lawyer in Austin can obtain a partial release to clear the title.
How To Get A Partial Judgment Lien Release In Austin, TX
Judgment creditors are obligated to provide a partial release if a judgment lien prevents you from selling your home. However, judgment creditors can be difficult to locate, and sometimes, they fail to cooperate. A judgment lien release lawyer in Austin, TX, can take all the steps necessary to obtain the lien, including filing an affidavit with the County Clerk and proving that the property is your homestead.
Do You Need A Full Judgment Lien Release In Austin, TX?
Your Austin, TX, judgment lien release lawyer can also help you obtain a full lien release. If you do this, the judgment won’t be attached to you or your homestead. Paying the judgment in full is one option. Your attorney can also negotiate a settlement, so you can pay off the debt for less.
Contact Our Judgment Lien Release Lawyer In Austin, TX
If you have a judgment lien on your homestead, the Ciment Law Firm can help. Call an Austin, TX, judgment lien release lawyer at 833-637-1075 to discuss your options.
Why Choose The Ciment
Law Firm, PLLC?
- Free ConsultationFind out which debt resolution option is best for you during a free consultation.
- Positively ReviewedOur firm has numerous positive reviews on Google, Avvo, and other websites.
- Options for All NeedsFrom 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 FieldDaniel 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 TransparentPatient and knowledgeable, the team is available to answer all questions and explain the process so that clients can reach their desired outcome.
- Six Office LocationsSchedule your appointment at an office in Katy,
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.
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