A certified copy means that the court verified the document, which may be necessary if you're presenting your divorce decree for a legal reason, such as a new marriage. You may also request a copy of your divorce decree from the state or local vital records department where you divorced.
Depending upon how busy the local clerk's office is and also depending upon how busy the judge is, this process can take as little as three weeks or as much as 10 months.
I would start by searching the clerk of courts website for the county and state where the divorce proceedings took place. If on-line access is available, call or visit the clerk of court's office and request a copy. I would suggest that you get at least one certified copy for future use.
You can get copies of divorce judgments or other written orders in divorce cases from the County Clerk. Copies of documents, other than the Judgment of Divorce itself, can only be obtained by one of the parties involved or by an attorney who is representing one of the parties.
Under federal law, the servicer must generally send you a payoff statement within seven business days of your request, subject to a few exceptions. (12 C.F.R. § 1026.36.)
There's a process to getting the mortgage payoff statement. First, you'll need to contact your lender and let them know you want the information. Depending on your lender, you may have to sign in to an online account, call a helpline, or send a formal letter to start the request process.
The statement is provided by the mortgage servicer and can be requested at any time. Accurate payoff information is crucial for managing financial decisions related to property ownership.