Judgment liens are involuntary and give a creditor the ability to seek foreclosure in order to receive payment. If you are sued and the plaintiff is granted damages and you are unable to pay those damages through insurance or personal assets, they may become a “judgment creditor” and you a “judgment debtor.” This means that through the Judgment, you owe a debt to the plaintiff. The plaintiff may receive payment through garnishing wages, taking bank accounts or a lien against your property. If they are given a lien against your property they may call for foreclosure in order to receive payment. Essentially you may become a debtor through a monetary court judgment.

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