Q: I recently applied for a Heloc loan and when the title search was done it had 2 judgements on it.
they were for my ex wife not paying her credit cards. 1 was 10 years ago the other 6,,,,,..divorced 6 years ago and we kept all separate accounts. How can i get these off my title?
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A: Judgment Lien is effective for ten years from date of Judgment, unless extended for another ten years. On the older one, you might demand creditor remove the lien. But the six year old lien is probably still valid. You may be able to get creditor to compromise and release lien for cash. Creditor might try to execute lien on property also. If previously paid, again you might demand creditor release or sue for a statutory penalty for refusal to release. Hire an attorney to search the title and determine best courses. Sometimes you simply wait out the judgment execution period and see if it is renewed. You can forget about a trust deed or selling anytime soon, unless you deal with liens.
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