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Expert: John Hall - 7/24/2006


Question
A judgement lien was placed on my California property in March of 1996.  I was not aware of it, it was relating to a business of my husband's.  We separated, he moved to Washington state and subsequently filed bankruptcy.  I followed suit and filed as well.  I filed a Ch 13 later to save the Calif property.  All the while unaware of the judgement lien.  I moved to Georgia in 2000, and sold the property to my son in 2002.  He discovered the judgement when he attempted to obtain a line of credit for his business.  I understand the judgement must be renewed after 10 years or it expires.  How do we determine if it has in fact been renewed or has truly expired?  If it has expired, how do we go about removing the lien?

Answer
This would be easier to talk about on the phone.   I will not charge you just to talk on the phone and we could discuss this in more detail.    214  779-3427    You can remove this lien (it is called "avoiding" the lien, but that will depend on facts you don't state in your quesitn.   Calling this weekend would be ok too

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John Hall

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Law school graduate, Juris Doctorate (J.D.) Degree; Over 25 years of experience throughout the United States in bankruptcy law matters (Chapters 7, 11, and 13 of the United States Bankruptcy Code) primarily representing individual debtors with consumer debt or small businesses; Experience has included all aspects of debtor/creditor relations.

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FREE BANKRUPTCY HELP. If you are being sued, if your home is being foreclosed, or if you are being harassed by bill collectors, filing for bankruptcy may be a quick and inexpensive solution.. The mere filing of a bankruptcy will operate as a federal court order (it is called an automatic stay) to stop all bill collection efforts, including lawsuits that are pending or ongoing. Bankruptcy is a legitimate way to meet your problems with debt head-on. The bankruptcy law is designed to give you a second chance to make a new start without the psychological and financial burden of pressing debts that you are unable to pay. Depending on what state you live in and what your assets are, it is very unlikely that you are going to have to lose anything if you file for bankruptcy, and this is something that you can do immediately without having to pay the $500 to $1,500 attorney fees that most attorneys charge. Also, you might be surprised that you can file for bankruptcy and that it will not have the devastating effect on your credit that most bill collectors describe. Life is too short to have all this anxiety over losing your car through repossession, getting evicted from your home, or losing your home through foreclosure. Bankruptcy law was designed to give you a second chance. I will not charge you just to talk on the phone. Call me at 432 853-5711, or send me an email at j_h14@hotmail.com with your telephone number, and I will call you back.

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