debt judgment

Judgment Lien on Your Property After a Debt Judgment: How It Works and What It Blocks

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Judgment Lien Property Debt Collection

A judgment lien is a legal claim placed on your real estate after a collector wins a court case. It acts as a “cloud on the title” that prevents you from easily selling or refinancing your home. A lien does not mean the collector will immediately take or force the sale of your house. For … Read more

Wage Garnishment After a Debt Judgment: How It Works, How Much They Can Take, and How to Claim Exemptions

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Wage Garnishment Debt Collection

Wage garnishment cannot happen overnight. A collector must first obtain a court judgment, file specific enforcement paperwork, and serve a legal order directly to your employer. Federal law caps consumer debt garnishment at a set percentage of your disposable earnings, but many states offer much stronger protections. States like Texas and Minnesota have unique, highly … Read more