Frequently Asked Questions & Resources

Sort through our frequently asked questions to learn more about your debt and our debt relief program.
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What is a judgment?

A judgment is a type of lien that is attached to a debtor’s real or personal property without their consent. The judgment is intended to pressure a debtor to ultimately transfer money from a debtor to a creditor through a court’s enforcement.

How Do Creditors Obtain Judgments?

A judgment is granted to creditors who have previously sued a client in their county or state courts and then wins a judgment against the debt that is owed.

What are the Types of Judgment Liens that a Creditor Can Obtain?

There are a few ways that creditors can obtain their uncollected funds through a judgment:

Real Property: if a consumer has a lien as a result of a judgment on their house, condominium, vehicle, or similar kind of real property, during the sale of that real property, the creditor with the judgment will be entitled to a portion of the proceeds.

Garnish Your Wages: another way a creditor can obtain their uncollected funds is going directly through a debtor’s employer. A judgment will allow the creditor to collect funds directly from the debtor’s paycheck through the employer until the amount due and owed is satisfied.

Freeze Your Bank Account: instead of going through a debtor’s property or employer, a creditor can go directly to a debtor’s bank and freeze or restrain their account. In other words, a debtor would not have access to a certain percentage of funds in their account.

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Why people choose Tayne Law

A debt relief law firm

Personalized Program

Every situation is unique. We’ll work with you to find a solution that resolves your debt and frees up your cash flow.

No-billing
Policy

You make one low monthly payment and will never get an unexpected bill.

Experienced Debt Attorneys

We have more than 20-years of experience providing clients with debt relief.

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As a law firm, our attorneys follow strict client confidentiality. Our services are discrete and effective.

Work with Creditors

We work with all creditors, whether you’re dealing with a collections firm, a national bank, credit union, or another lender.

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