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Judgment Lien Release Lawyer In El Paso, TX

You want to sell or refinance your home, but you’ve encountered a problem. A creditor has placed a judgment lien on your homestead, making it impossible for you to make a real estate transaction. Your homestead is safe from seizure, but it still clouds your title. A judgment lien release lawyer in El Paso, TX, can help you clear your title. Learn more about judgment liens, and then contact the Ciment Law Firm for a free consultation.

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A Judgment Lien Causes A Cloud Title In El Paso, TX

A judgment lien prevents you from selling or refinancing your property because it clouds the title. A title with a defect is viewed as a risk. Title companies don’t want to assume that risk because of the fear of paying the judgment if the property isn’t your homestead. A partial lien release allows you to clear the title without paying the judgment.


How To Get A Partial Judgment Lien Release Your Title

Your judgment lien release lawyer in El Paso, TX, can take the steps needed to obtain a partial release. A partial release removes the cloud from the title so you can complete your real estate transaction. To begin, your attorney will contact the judgment creditor. The creditor should sign off on the release, although the company might request proof that the property is your homestead. Sometimes, creditors are unwilling to help. Your attorney will then obtain the partial release by filing documents with the County Clerk’s office. If the judgment creditor files an objection, your attorney can then take legal action.


Options For Getting A Full Judgment Lien Release In El Paso, TX

If a partial lien release isn’t enough, your attorney can help you get a full release. You likely can’t afford to pay off the full amount of debt, so your judgment lien release lawyer in El Paso will negotiate with the creditor. If a settlement is reached, you can remove the judgment for less than the original debt.


Contact Our Judgment Lien Release Lawyer In El Paso, TX

You don’t have to pay the judgment in full to release a lien from your homestead, but you do need legal help. Call a judgment lien release lawyer in El Paso, TX, for legal assistance. You can schedule your free consultation with the Ciment Law Firm by calling 833-637-1075.


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,
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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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