Collection Agency Judgement Lien Not at Clerks Office

[burtsbee]

What is the name of your state? NJ


Why would a Judgemnt Lien show up on a credit report (actually 2 !!) but neither one shows up at the countys clerk office....i was told the judgemnt was done against person but not property and thus sale of home can take place and judgement will not/does not have to be paid from transaction....is this correct ??

county clerk states only lien is the mortgage and thats all that is needed to be paid in full for transaction to to be completed

did collection agency make an error with judgement lien or can they only recover judgement against work pay and bank accounts

[nextwife]

Generally, a DOCKETED judgment becomes a lien on real estate if docketed in the county of the real estate. There are matters that can be a collection on the INDIVIDUAL yet not attach to the real estate. An example would be a judgment in a county other than the real estate.

Another example might be a CS lien. It does not automatically attach to REAL ESTATE in a different state.

Be certain to disclose it to the title company.

[burtsbee]

sorry to be a pain, but the county clerk would have this docketed judgement, correct ??

i guess my biggest concern is selling the house and then the judgements mysteriously show up at closing and we do not have the funds available to pay them, what happens then, and would the buyer be able to sue if the transaction was not completed. You cant pay money you dont have, which the sale will not have monies left over but i would rather have my homework done beforehand and know i can or cannot sell the house without wasting everyones time, but its very confusing to say the least !