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To file a judgment lien in Maryland, you must first obtain a court judgment against the debtor. Then, you complete the necessary forms to create a lien against the debtor’s property. This involves submitting the judgment to the local land records office. A Maryland Letter from Defendant to Plaintiff Notifying Intention to Create a Lien Against Their Property can clarify your intent and ensure timely processing.
Yes, it is possible for someone to place a lien on your property without your knowledge. In Florida, a creditor can file a lien if they have a legal judgment in their favor. This process typically involves a court ruling, and once filed, you may not be aware until you intend to sell or remortgage your home. To protect yourself, it’s essential to regularly check your property records.