Judgments and Judicial Liens in the State of Alabama

Ronald Sykstus

What Happens When a Judgment Is Entered Against You?

In Alabama, if a judgment is entered against you, the creditor who got the judgment can do several things as far as trying to collect on the judgment. The creditor can garnish wages and bank accounts; it can force the Sherriff to seize your home, real estate and personal property. It can also place a judgment lien on your home (also referred to as a judicial lien), and real estate through the Probate office. These judgment liens grow at a rate of twelve percent or more per year and can encumber your home and real estate for up to a ten year period. The judgment lien can also be renewed for another ten years at the end of the first ten year period. As a result, this could prohibit a refinance or sale of the real property unless the judgment lien plus interest is paid in full.

If you are sued in the state of Alabama, it is very important to fight any lawsuit at the beginning and to do whatever you can to prevent a judgment from being entered in the first place.

How Filing for Bankruptcy Can Avoid a Lien

A bankruptcy filing can avoid a judgment lien/judicial lien on your real estate to the extent it impairs your allowed bankruptcy exemptions. As a result, it is of critical importance that you research at the local Probate office in the county in which you live and in which you have any real estate to see if any judgment lien has been recorded against you. If so, please make sure to get a copy of that to your bankruptcy attorney prior to filing your bankruptcy case. We cannot overstate the importance of doing so in order to make sure that you get a true fresh start if you choose to file for bankruptcy relief. All of our attorneys are well educated in this area and we stand ready to help you. Please feel free to contact the office nearest to you for a free confidential consultation visit with one of our licensed attorneys.

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The lawyers at the Bond & Botes affiliated offices serve clients at offices in Anniston, Birmingham, Mobile, Montgomery, Opelika, Decatur, Huntsville, Florence, Haleyville and Gadsden, Alabama; Vicksburg, Hattiesburg and Jackson, Mississippi. Read our disclaimer here. You can view our Privacy Policy here.

Alabama Offices

Birmingham

2107 5th Avenue North
Age-Herald Building
Birmingham, Alabama 35203
Phone: (205) 802-2200


Shelby County Location
15 Southlake Lane, Ste 140
Birmingham, AL 35244
Phone: (205) 802-2200


Florence Location
121 S. Court Street
Florence, AL 35630
Phone: (256) 760-1010


Huntsville Location
225 Pratt Avenue NE
Huntsville, AL 35801
Phone: (256) 539-9899


Montgomery Location
311 Catoma Street
Montgomery, AL 36104
Phone: (334) 264-3363


Decatur Location
605 Bank Street
Decatur, AL 35601
Phone: (256) 355-2447


Haleyville Location
914 19th St.
Haleyville, AL 35565
Phone: (205) 486-3580


Gadsden Location
430-B Chestnut Street
Gadsden, AL 35901
Phone: (256) 485-0195


Opelika Location
216 South 8th Street
Opelika 36801
Phone: (334) 887-7666


Anniston Location
1302 Noble St #2C
Anniston, AL 36201
Phone: (256) 344-3559


Cullman Location
200 Second Avenue SW
Cullman, AL 35055
Phone: (256) 739-9866


Mississippi Offices

Jackson Location
5760 I-55 North, Ste 100
Jackson, MS 39211
Phone: (601) 353-5000


Hattiesburg Location
607 Corinne St, Ste B8
Hattiesburg, MS 39401
Phone: (601) 264-7200


Vicksburg Location
1212 Farmer Street
Vicksburg, MS 39180
Phone: (601) 353-5000

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