![]() If the creditor decides to enforce the judgment lien, he will do a title search on the property to find any other liens on the property. Enforcing or foreclosing on the judgment lien is done the same way as a mortgage foreclosure. Once the judgment lien is recorded with the county's Recorder of Deeds, the creditor can sue to enforce the lien. The creditor can also renew the lien twice, for a total of 21 years. This means that you probably cannot sell the real estate during this time because a buyer would want you to pay the judgment in full before agreeing to purchase the property. The lien remains in effect for 7 years, even if the creditor does not force a sale. They can do this even if you owe other creditors money. ![]() Then, a creditor with a judgment lien may be able to force you to sell your property to pay off the judgment. The creditor must record the judgment even if the property is located in the same county where the judgment was entered. In Illinois, a court judgment must first be recorded with the Recorder of Deeds in the county where the property is located. The effect of the lienĪ lien attaches to real estate that you own. Even if the real estate is sold, you may be able to pay money to get your home back. The Homestead Exemption makes it more difficult for a creditor if the property is your primary home, even if they have a judgment lien. ![]() A creditor can also ask the court to have the property sold by the sheriff, even without a judgment lien. To get a judgment lien, the creditor must file certain documents in the county recorder's office. A judgment lien allows a creditor to force a sale of property owned by the debtor (you). The money from the sale of the property is then used to pay off the judgment. In Illinois, an unpaid judgment can become a lien on real estate. ![]()
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