Judgment Lien Forms With Property In King
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The judgment lien is not going to impact a homesteaded property so the mortgage lender would be able to obtain a first lien on your property. So, as long as you otherwise qualify for a mortgage, the judgment lien should not be a problem.
To file a notice of lien, you must complete the Public Improvement Lien Form. You must also sign and notarize both the Lien Form and the Affidavit of Service. You can submit everything to DOF by mail or in person. Learn more about the Manhattan Business Center.
And a homeowner may find it difficult to sell any property that has a lien against it. Prospective buyers may avoid a property to which someone else has a claim.
If you would like to record the mechanics lien yourself, you can do so at the following King County Recorder's Offices: 500 Fourth Ave #430, Seattle, WA 98104. kingcounty/depts/records-licensing/recorders-office.aspx.
A lien must be recorded by the county auditor's office where the project itself took place; if the project spanned across county lines, the lien must be filed in all associated county auditors' offices.
To sum up, you must file a Washington mechanic's lien within 90 days from the date you last delivered labor or materials.
Creditors typically acquire property liens through your voluntary consent. On the other hand, creditors get judgment liens after winning a lawsuit against you for a debt you owe.
Most judgment liens last for 10 years and can be renewed for another 10 years. For example, the creditor could place a judgment lien on your home which would inhibit you from selling the property without first paying the creditor what you owe.
