Judgment Against Property With Find In Nevada
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Nevada laws carve out a long list of property exempt from execution. Below are some examples of exemptions: Necessary household goods, furnishings, electronics, clothes, yard equipment, and other personal effects up to $12,000 in value.
How does a creditor go about getting a judgment lien in Nevada? To attach the lien, the creditor files the judgment with the county recorder in any Nevada county where the debtor has property now or may have property in the future.
You can look at your credit report at .annualcreditreport or you can go to the local clerk for the courts and search the county database. If there are judgments in other jurisdictions you would have to look there as well.
Nearly all household goods, furniture, family heirlooms, clothing, personal jewelry and retirement accounts are also exempt from creditors in bankruptcy. Life insurance policies are usually exempt, as well as 529 college savings plans. As to wages, Nevada law allows you to shield 75% of your income from creditors.
You can go in person to the County Clerk Office in the County where you live to ask if a judgment has been entered against you. Most counties also allow you to search online.
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.
