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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We know there are a million questions to ask, which is why we maintain a strict no-billing policy. As a client, you can ask us about credit cards, debt consolidation, your credit report, anything really, and we won’t send you an unexpected bill. Instead, you make one low monthly payment that fits your budget. By keeping it simple, you can have peace of mind and focus on paying down your debt.

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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.


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.

Confidential & Trusted

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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