What is a judgment lien?

A judgment lien is a legal claim on property that a creditor can place when a debtor fails to pay a court-ordered debt. In South Carolina, when a creditor receives a judgment from a court, it can then file a lien with the South Carolina Department of Revenue. This lien puts the debtor’s real estate or other assets in jeopardy, preventing them from selling or transferring it until the debt is paid in full. Judgment liens can be placed on any real estate the debtor might own in South Carolina, including properties in which they have an interest or are the joint owner. They can also be placed on personal belongings such as vehicles, boats, and other property. A creditor can collect the debt with the proceeds of the sale or transfer of the debtor’s property. In South Carolina, a debtor can dispute the judgment lien and ask the court to have it removed if the creditor hasn’t followed the judgment lien procedures properly. It is important for a debtor to seek the help of a consumer debt defense lawyer if they have received a judgment lien against them. The lawyer can help them understand their rights and make sure that their property is not sold or transferred without their prior knowledge or consent.

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