Judgment Liens

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⚖️ Judgment Liens in Nevada: What You Need to Know.

If you’ve ever been sued for a debt and the creditor won, chances are that this creditor now has recorded a judgment lien against you, especially if you own any real estate. Unlike other liens, which can be filed without court involvement, judgment liens come directly from a court order. They can create serious roadblocks for your financial future — but you do have options.

At A Fresh Start Law, Attorney Dorothy Bunce has helped Nevadans remove, reduce, or work around judgment liens for more than 35 years.

🏛️ What Is a Judgment Lien?

A judgment lien is a legal claim a creditor places on your property after they’ve sued you in court and won. Once they have a court judgment, they can:

Record a lien against your home or real estate. It’s an easy process for the creditor to. They need a certified copy of their judgment, bring it to the county recorder’s office, and pay a small fee.
Garnish your wages.
Freeze or levy your bank accounts.
Seize specific personal property.

These liens don’t just sit there quietly. They attach to your property title and must be resolved before you can sell, refinance, or transfer ownership.

🔎 How Judgment Liens Affect You.

Blocks property sales or refinancing – You cannot transfer a clear title until the lien is paid or removed.
Damages your credit – A recorded judgment lien is a significant negative on your record.
Adds costs – Judgments accumulate interest and fees, often making the debt larger than the original lawsuit.
Lasts a long time – In Nevada, a judgment lien can last up to 6 years, and creditors may renew it indefinitely.

🛡️ How A Fresh Start Law Can Help.

Our experienced team has several strategies to help you deal with judgment liens, including:

Negotiating settlements – Creditors may accept less than the full balance.
Challenging improper liens – Creditors must follow strict procedures; many make mistakes.
Using exemption laws – Some of your property may be protected under Nevada law.
Filing for bankruptcy – In some instances, a judgment lien can be removed (“avoided”) in bankruptcy, giving you a fresh start.

Every situation is different, but with an experienced attorney on your side, you don’t have to face judgment liens alone.

❓ Judgment Lien FAQ.

How does a creditor get a judgment lien?

First, they must sue you in court. If they win, they can use that judgment to place a lien on your property.

Can I ignore a judgment lien?

No. It will continue to grow with interest and remain attached to your property until it is resolved.

Can a judgment lien be removed?

Yes, in many cases. Errors, exemptions, or bankruptcy law may allow us to eliminate or reduce the lien.

Does bankruptcy always erase judgment liens?

Not always. But in many situations, bankruptcy law provides tools to remove them. It’s best to get advice before making decisions.

📞 Take Control of Your Future.

A judgment lien can feel like a dead end — but it doesn’t have to be. With over three decades of experience, Attorney Dorothy Bunce knows how to protect your property, challenge improper liens, and give you options to move forward.

📲 Call (702) 551-3256 today or reach out online to schedule your free consultation. Let’s find the best solution for your judgment lien and put you back in control of your finances.