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Judgments and Liens

Judgments and Liens in Queens

Judgments and Liens – Explained

Judgments and liens against you and your assets may occur if you are unable to pay off a debt or meet the obligations of a contract. This can result in repossession, additional fees and penalties, and a lower credit score.

What is a Lien?

A lien is a legal claim over an asset that secures a debt owed by the owner to the lender, or claim holder. If the owner cannot pay the debt, the lender can repossess the asset (also known as foreclosure if the asset real estate). There are various types of liens, such as home mortgages and liens on cars and boats. There are also “judgment liens,” which are the result of a judgment entered against the property owner by a lender during a lawsuit. Tax liens happen if an individual fails to pay taxes. The lien applies to property and rights to property owned by the individual. Tax liens are reported to credit bureaus and can negatively affect an individual’s credit score.

What is a Judgment?

A judgment is a legal decision made by the court during a lawsuit that outlines the obligations of the debtor and the lender. If a debt collector obtains a judgment against you, they can attempt to collect your money through a lien, freezing your bank account and wage garnishment. They can also charge interest on the judgment.

Judgments, Liens and Bankruptcy

If you have a judgment or lien against your property and cannot pay your creditors, filing for bankruptcy may be an option. You will need to find out of the judgment or lien is protected from discharge during bankruptcy. Some types of liens and judgments are difficult to remove during a bankruptcy, but it is not impossible. And if you file for bankruptcy, and automatic stay is issued that stops creditors from taking any further actions to repossess your assets, including foreclosure and wage garnishment. Contact Queens bankruptcy attorney Bruce Feinstein, Esq. if you want to find out if liens and judgments against you can be voided by filing for bankruptcy.

Queens Bankruptcy Lawyer – Handling Judgments and Liens

Judgments and liens can be complicated and stressful. They may involve debt collectors and the IRS, and can lead to the threat of repossession and foreclosure. Fortunately, the Law Offices of Bruce Feinstein, Esq. are well equipped to handle your case. They will review your debt situation and help you determine if bankruptcy is a valid way to help you get out of debt and pay off or wipe out judgments and liens. They will also handle all the necessary court proceedings, such as filing a motion to void a lien or making sure an automatic stay goes into effect. Their intimate knowledge of the bankruptcy code and their experience handling debt collectors means you are putting your future in good hands. With over 15 years of service, Bruce Feinstein, Esq. and his team will help you tackle your debt quickly and effectively.

Contact Queens bankruptcy attorney Bruce Feinstein, Esq. if you have a judgment or lien against you and need help

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The Law Offices of Bankruptcy Attorney Bruce Feinstein, Esq. handles cases from all over New York including: Queens, Manhattan, Brooklyn, Bronx, Nassau County and Suffolk County Long Island


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