Massachusetts mechanics liens are a two-part filing, with a notice of contract (or notice of subcontract) required to be filed and verified first, and a statement of the amount due filed after.
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.
Judgment liens may simply be filed and recorded by an attorney. There is no personal confrontation with the defendant and no personal property is seized. Service of the judgment lien on the judgment debtor is by certified mail if the judgment is less than $25,000.
Ing to the law in Massachusetts, when a mechanic's lien must be filed depends on whether you have directly contracted with the owner of the property. Generally, a notice of contract must be recorded no later than 90 days after you have supplied materials and/or labor to the job site.
2809. (1) Unless subsection (2) or (3) applies, a judgment lien expires 5 years after the date it is recorded. (2) Unless subsection (3) applies, if a judgment lien is rerecorded under subsection (4), the judgment lien expires 5 years after the date it is rerecorded.
As further bad news, default judgments do not simply vanish. The lien of a default judgment lasts five years and may be easily and repeatedly revived and transferred to other counties or states.
A lien which results from a judgment shall terminate not later than twenty years from the date it was created.
Judgments have expiration dates. If they are not timely renewed, they expire. In CA that is 10 years. However, when a judgment lien has been recorded against your property, it has no expiration date.