Judgment lien not recorded (they screwed up) so I'm selling my house

[wastate]

I have a large judgment against me which was supposed to be a lien on my primary home. I recently found out that they never recorded it (it's been a year now). I immediately got a HELOC and pulled a bunch of equity out but there is still more that exceeds my homestead exemption. I don't want to file BK anyway. I'm thinking of selling my house before they realize they have no lien. I understand that I would be hiding assets and that it could make the judgment nondischargeable in a BK. Is that the worst that could happen? If it's just civil stuff I don't care but I can't afford to do anything criminal. Thanks for your input and please don't advise me to speak to a lawyer. They are the reason I am in this mess and I can google stuff just as well as them. Thanks!

Edited February 23, 2019 by wastate

[SteveSutton]

If you're asking the question, you already know the answer, plus you've lost any claim for plausible deniability.  Why didn't you just take the money you sucked out from the equity line and just pay the judgement?  It ain't going anywhere.

Edited February 24, 2019 by SteveSutton

[wastate]

No, I don't know the answer, and no, I have no intention of paying the judgment.

[spacemule]

You sound like a lovely person.

[tiggerlgh]

It’s highly unlikely that you will find the answers you are looking for/ what you want to hear, here.

[IndyPoolPlayer]

18 hours ago, wastate said:

No, I don't know the answer, and no, I have no intention of paying the judgment.

If you're looking for absolution of bad financial intents, you can find it down the hall and to the left at CIC

Edited February 25, 2019 by IndyPoolPlayer

[wastate]

I'm fairly certain none of you got here because you paid your bills. This is business, it was just business when they sued me and it's just business as I evade collections. From what I've read that is a big part of what is done here. I didn't blow out my credit cards and cry about it as though I'm a victim. I pay my bills. This judgment is under appeal and I won't submit until the last bell rings.

 

[centex]

42 minutes ago, wastate said:

I'm fairly certain none of you got here because you paid your bills. This is business, it was just business when they sued me and it's just business as I evade collections. From what I've read that is a big part of what is done here. I didn't blow out my credit cards and cry about it as though I'm a victim. I pay my bills. This judgment is under appeal and I won't submit until the last bell rings.

 

Good thing you don't depend on your certainty to pay bills...but you DID do a good job of proving up how ASSUME breaks down...

 

Evasion rarely works well, especially when your own posts suggest you are actively taking steps that a Court will have issues with should the issue come before them.  Depending on specific wording under State law, you could expect them to use a term like fraud...

[cv91915]

3 hours ago, wastate said:

I'm fairly certain none of you got here because you paid your bills. This is business, it was just business when they sued me and it's just business as I evade collections. From what I've read that is a big part of what is done here. I didn't blow out my credit cards and cry about it as though I'm a victim. I pay my bills. This judgment is under appeal and I won't submit until the last bell rings.

 

I once choked a puppy just to watch it die.

[IndyPoolPlayer]

47 minutes ago, cv91915 said:

I once choked a puppy just to watch it die.

I did the same thing to a man in Reno

[wastate]

21 hours ago, centex said:

Good thing you don't depend on your certainty to pay bills...but you DID do a good job of proving up how ASSUME breaks down...

 

Evasion rarely works well, especially when your own posts suggest you are actively taking steps that a Court will have issues with should the issue come before them.  Depending on specific wording under State law, you could expect them to use a term like fraud...

That's what I thought, none of it will matter unless it comes before a court and it won't if I don't file for BK. All I have to do then is move to your state or another that harbors debtors.

 

You guys are wasting your time with these petty put-downs, unless you are just amusing yourselves. I've read enough here to see how it works and realize what you are, don't worry, your self esteem will improve over time.

[centex]

1 hour ago, wastate said:

That's what I thought, none of it will matter unless it comes before a court and it won't if I don't file for BK. All I have to do then is move to your state or another that harbors debtors.

You have previously mentioned being summoned for a Debtors Exam, which means you get in front of the bench even without a BK being filed under ANY Chapter.  Engage in fraudulent acts at your own peril...

 

Oh, and on your plan to relocate, you need to be aware that a period of residence is often required before you acquire ANY of the protections of the new State. 

 

In the meantime, don't let the door hit ya where Mother Nature split ya...

[wastate]

I sold my home, the judgement lien never showed up, neither did my primary mortgage. They gave me all the money. I guess the new lender will have a claim with the title insurance I bought for them. I learned a valuable lesson. Never trust an attorney.

[hegemony]

17 minutes ago, wastate said:

I sold my home, the judgement lien never showed up, neither did my primary mortgage. They gave me all the money. I guess the new lender will have a claim with the title insurance I bought for them. I learned a valuable lesson. Never trust an attorney.

pay your bills is another lesson for you

[hegemony]

so much for this... https://creditboards.com/forums/index.php?/topic/616076-filing-a-one-page-bk/&tab=comments#comment-5756600

[wastate]

2 hours ago, hegemony said:

pay your bills is another lesson for you

I remember you, they called you hegephony on fatwallet.  LOL

You got here after filing BK. 

[hegemony]

31 minutes ago, wastate said:

I remember you, they called you hegephony on fatwallet.  LOL

You got here after filing BK. 

your problem is you can't see the forest for the (clear cut) trees 😂

[Why Chat]

On 2/23/2019 at 1:21 AM, wastate said:

I have a large judgment against me which was supposed to be a lien on my primary home. I recently found out that they never recorded it (it's been a year now). I immediately got a HELOC and pulled a bunch of equity out but there is still more that exceeds my homestead exemption. I don't want to file BK anyway. I'm thinking of selling my house before they realize they have no lien. I understand that I would be hiding assets and that it could make the judgment nondischargeable in a BK. Is that the worst that could happen? If it's just civil stuff I don't care but I can't afford to do anything criminal. Thanks for your input and please don't advise me to speak to a lawyer. They are the reason I am in this mess and I can google stuff just as well as them. Thanks!

I just saw this and decided to comment.

Just because a judgment has been granted doesn't always mean it can be or is actually recorded. There are a LOT of reasons why many (or most) judgments on credit reports can be disputed as not actually being "recorded instruments"

I am not going to comment on the many nasty posts on this thread other than to say that the OP MAY want to actually read his case file and see what they missed doing that prevented the judgment from being recorded.

 

If anyone reading this has a judgment on their credit reports they might benefit from this program.

https://whychat.me/GUIDEBOOK.html

https://whychat.me/deletejudg.html