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The 12-year limit starts at the date of the judgment, which is often the date the creditor went to court. If a court ordered you to pay a creditor money more than 12 years ago, the creditor will not be able to enforce that debt against you. This means they will not be able to garnish your wages or attach your property.
A lien is a lawful claim against property that guarantees payment of a debt. If the debt isn't paid, the creditor may be able to seize the property. The creditor may also be able to sell the property to satisfy all or part of the debt.
Go to Maryland Case Search to search for court judgments against the property's owner. Unpaid taxes on the property may result in a lien. Visit your local county or city's finance office to find property tax or other municipal liens.
Main_Content. A lien is a record maintained by the MVA of the debt owed by a vehicle owner to a secured party (lender). A secured party lends the money to the owner and has the power to repossess the vehicle if the owner does not repay the loan.
Key Takeaways. A judgment lien is a court ruling that gives a creditor the right to take possession of a debtor's property if the debtor fails to fulfill their contractual obligations. Judgment liens are nonconsensual because they are attached to property without the owner's consent or agreement.