I live in Los Angeles, CA. In 2011, the bank’s lawyer put a lien on my house once they were awarded a $4,000 credit card judgment. Back in January 2015, I fully paid off a $4,000 judgment, and soon received a letter of satisfaction from the bank’s lawyer. However when doing some research last week at my county registrar’s office, I see that the bank/lawyer still have a lien on my house (a year and a half later, after my paying off the judgment). What is the best way to contact the bank’s lawyer and have the lien removed in an expedited manner? Is there are online form letter that I can use to resolve this matter with my bank’s lawyer, in the event that I have to send a formal letter to them? I just knew that once I paid off the judgment, it was going to take an act of Congress to try to get that lien removed on my house. Yet I was hoping that if I gave the bank/lawyer several months to remove the lien (after my paying off the judgment), that they would eventually on their own removed the lien, especially since they sent me the judgment debt satisfaction letter in January 2015.
There is a "Satisfaction of Judgment" form which must be recorded. Nothing is removed. The satisfaction is added.
Any lawyer for the creditor can provide it.
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A satisfaction of judgment must be filed with the court and recorded so that the abstract shows the release of lien.
Check the court records to see if the creditor filed an "Acknowledgement and Satisfaction of Judgment." You will want to record this document with the County Recorder's Office. The Abstract of Judgment lien is not removed. Rather, it is deemed unenforceable by the recordation of the Satisfaction of Judgment. Some creditor may provide a pleading entitled "Release of Lien," however they are not legally obligated to provide this. So, the lien is not per se released, but become ineffective and unenforceable.
Make a demand on the bank. If they do not comply, contact an experienced collection attorney.
Contact the bank's attorney to file the satisfaction of judgment in superior court and record it at the county recorder's office.
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