https://collecteral.com/knowledge/ How a public record answers an enforcement question, and where it stops. en-us Mon, 05 Oct 2026 09:00:00 GMT Bound CMS https://collecteral.com/knowledge/aircraft-and-vessels https://collecteral.com/knowledge/aircraft-and-vessels Mon, 05 Oct 2026 09:00:00 GMT Where to look for a plane or a boat, and under whose rules. The FAA publishes its aircraft registry for download; vessels run through the Coast Guard and the states, and this page states only what the regulations provide. https://collecteral.com/knowledge/association-liens https://collecteral.com/knowledge/association-liens Mon, 05 Oct 2026 09:00:00 GMT When an association lien for unpaid assessments can rank ahead of a first mortgage, and when it cannot. Nevada's slice, Minnesota's survival, and Florida's cap, with the dates that decide each. https://collecteral.com/knowledge/badges-of-fraud-in-the-record https://collecteral.com/knowledge/badges-of-fraud-in-the-record Mon, 05 Oct 2026 09:00:00 GMT The voidable-transfer statutes list factors a court may weigh in deciding intent. A public record carries facts bearing on several of them, and settles none. https://collecteral.com/knowledge/bank-accounts-are-not-public https://collecteral.com/knowledge/bank-accounts-are-not-public Mon, 05 Oct 2026 09:00:00 GMT The law treats a bank account as the bank's to protect, makes pretexting a federal crime, and opens the account only through a court's process after judgment. Coverage is New York and Florida and the federal privacy statute. https://collecteral.com/knowledge/charging-orders-and-llcs https://collecteral.com/knowledge/charging-orders-and-llcs Mon, 05 Oct 2026 09:00:00 GMT Your debtor owns the building through an LLC. A charging order reaches what the company pays out on the debtor's share, and in most cases stops there. What the statutes say, for Florida and New York. https://collecteral.com/knowledge/child-support-warrants-and-liens https://collecteral.com/knowledge/child-support-warrants-and-liens Mon, 05 Oct 2026 09:00:00 GMT How past-due child support sits on the record as a lien, how long it lasts in several states, how New York collects it, and why a bankruptcy discharge does not end it. https://collecteral.com/knowledge/collection-licensing https://collecteral.com/knowledge/collection-licensing Mon, 05 Oct 2026 09:00:00 GMT What each state's statute says about licensing debt collectors, where lawyers are exempt and on what conditions, and when buying a judgment to collect it is itself collection business. https://collecteral.com/knowledge/community-property https://collecteral.com/knowledge/community-property Mon, 05 Oct 2026 09:00:00 GMT In some states, whether your debtor is married changes what a creditor can collect. Each state's statute draws the line its own way, and the spouse who did not sign is where the lines part. https://collecteral.com/knowledge/county-clerk-versus-acris https://collecteral.com/knowledge/county-clerk-versus-acris Mon, 05 Oct 2026 09:00:00 GMT In New York City two offices keep two sets of records. The City Register runs ACRIS for property documents; the County Clerk dockets judgments. A clean ACRIS search does not cover the docket. https://collecteral.com/knowledge/do-judgment-liens-survive-bankruptcy https://collecteral.com/knowledge/do-judgment-liens-survive-bankruptcy Mon, 05 Oct 2026 09:00:00 GMT A discharge wipes out personal liability on the debt. Whether the lien on the house is gone too is a separate question, and the Bankruptcy Code answers it one section at a time. https://collecteral.com/knowledge/entireties-states https://collecteral.com/knowledge/entireties-states Mon, 05 Oct 2026 09:00:00 GMT A state-by-state read of the entireties tenancy: which statutes create it, for land or for personal property too, and which ones say what a creditor of one spouse can reach. https://collecteral.com/knowledge/execution-and-sheriffs-sale https://collecteral.com/knowledge/execution-and-sheriffs-sale Mon, 05 Oct 2026 09:00:00 GMT The writ, the levy, the notice and the public auction that turn a judgment into a sheriff's deed, in New York and Florida, with the days between each step and the limits the statutes leave open. https://collecteral.com/knowledge/fdcpa-and-the-lawyer https://collecteral.com/knowledge/fdcpa-and-the-lawyer Mon, 05 Oct 2026 09:00:00 GMT Whether the federal Fair Debt Collection Practices Act reaches a lawyer enforcing a judgment turns on whose debts the firm collects and how often. Here is what the Act provides and what it leaves to the courts. https://collecteral.com/knowledge/finding-out-in-discovery https://collecteral.com/knowledge/finding-out-in-discovery Mon, 05 Oct 2026 09:00:00 GMT After judgment, New York and Florida let a creditor compel sworn answers about where the money is. What a subpoena, a fact information sheet and an examination can reach, and what they cannot. https://collecteral.com/knowledge/heloc-face-is-a-ceiling https://collecteral.com/knowledge/heloc-face-is-a-ceiling Mon, 05 Oct 2026 09:00:00 GMT A recorded credit line mortgage states a maximum the debt may reach, not the amount owed today. What the stated figure fixes in New York and Florida, and what only the lender can tell you. https://collecteral.com/knowledge/homestead-state-by-state https://collecteral.com/knowledge/homestead-state-by-state Mon, 05 Oct 2026 09:00:00 GMT How the states measure the homestead exemption: by acres, by a dollar figure, by both, or by a residence exemption written only for bankruptcy, with the federal cap that sits on top. https://collecteral.com/knowledge/how-the-roll-writes-owners https://collecteral.com/knowledge/how-the-roll-writes-owners Mon, 05 Oct 2026 09:00:00 GMT The owner line on a tax roll copies recorded deeds and shortens them. What those few letters point to, how title is held, is what decides whose creditors can reach the property. https://collecteral.com/knowledge/indexing-lag-and-the-gap https://collecteral.com/knowledge/indexing-lag-and-the-gap Mon, 05 Oct 2026 09:00:00 GMT A lien counts from the moment the recording office takes it in, but a copy of an index only shows what it held on its as-of date. What the statutes fix, and what is office practice. https://collecteral.com/knowledge/is-this-judgment-collectible https://collecteral.com/knowledge/is-this-judgment-collectible Mon, 05 Oct 2026 09:00:00 GMT Five questions in a fixed order, owner, asset, claim, exemption and transfer, each with a stop where the record gives the next question nothing to work on. What the law provides in New York and Florida, and where it goes quiet. https://collecteral.com/knowledge/judgment-lien-duration https://collecteral.com/knowledge/judgment-lien-duration Mon, 05 Oct 2026 09:00:00 GMT A judgment lien and the judgment behind it run on separate clocks that start on different days and end on different days. This explains the terms a renewal goes by, state by state, and what lapses without a word. https://collecteral.com/knowledge/judgment-liens-in-alabama https://collecteral.com/knowledge/judgment-liens-in-alabama Mon, 05 Oct 2026 09:00:00 GMT How a judgment becomes a lien in Alabama: the certificate filed with the judge of probate, the 10-year clock, what the lien reaches, and the $15,000 homestead. https://collecteral.com/knowledge/judgment-liens-in-alaska https://collecteral.com/knowledge/judgment-liens-in-alaska Mon, 05 Oct 2026 09:00:00 GMT How a judgment becomes a lien on Alaska real property, what it reaches, how long it lasts, and how the homestead exemption works under AS 09.38.010. https://collecteral.com/knowledge/judgment-liens-in-arizona https://collecteral.com/knowledge/judgment-liens-in-arizona Mon, 05 Oct 2026 09:00:00 GMT How a judgment becomes a lien on real property in Arizona, the information statement that recording turns on, what the lien reaches, and the ten-year clock with its renewal window. https://collecteral.com/knowledge/judgment-liens-in-arkansas https://collecteral.com/knowledge/judgment-liens-in-arkansas Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on land in Arkansas: the circuit clerk's role, the permanent-office test, the ten-year clock, revival by scire facias, and the homestead that most of it cannot touch. https://collecteral.com/knowledge/judgment-liens-in-california https://collecteral.com/knowledge/judgment-liens-in-california Mon, 05 Oct 2026 09:00:00 GMT How a California judgment lien on real property is created, what it attaches to, the 10-year clock, renewal, and the homestead exemption. Not legal advice. https://collecteral.com/knowledge/judgment-liens-in-colorado https://collecteral.com/knowledge/judgment-liens-in-colorado Mon, 05 Oct 2026 09:00:00 GMT How a Colorado judgment becomes a lien on real estate, what it reaches, when it expires, and the homestead that sits in front of it. A reference page, not legal advice. https://collecteral.com/knowledge/judgment-liens-in-connecticut https://collecteral.com/knowledge/judgment-liens-in-connecticut Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on Connecticut real property: the certificate, the town clerk's office, the twenty year clock, and the homestead figure. https://collecteral.com/knowledge/judgment-liens-in-delaware https://collecteral.com/knowledge/judgment-liens-in-delaware Mon, 05 Oct 2026 09:00:00 GMT How a Delaware money judgment binds real estate, the court whose record carries the lien, the 10-year clock, the renewal agreement, and the $200,000 principal residence exemption. https://collecteral.com/knowledge/judgment-liens-in-district-of-columbia https://collecteral.com/knowledge/judgment-liens-in-district-of-columbia Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on land in the District of Columbia: filing and recording with the Recorder of Deeds, what the lien reaches, a twelve-year enforcement clock, and the residence exemption. https://collecteral.com/knowledge/judgment-liens-in-florida https://collecteral.com/knowledge/judgment-liens-in-florida Mon, 05 Oct 2026 09:00:00 GMT How a Florida money judgment becomes a lien on real property, what a certified copy needs, how long the lien lasts, and where the homestead exemption cuts it off. https://collecteral.com/knowledge/judgment-liens-in-georgia https://collecteral.com/knowledge/judgment-liens-in-georgia Mon, 05 Oct 2026 09:00:00 GMT How a Georgia judgment reaches land, which office records it, the seven-year dormancy clock and how to renew it, and what the homestead exemption shields. https://collecteral.com/knowledge/judgment-liens-in-hawaii https://collecteral.com/knowledge/judgment-liens-in-hawaii Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on Hawaii real property: the certified copy recorded in the bureau of conveyances, the identifier rule, the ten and twenty year clocks, and the homestead amounts. https://collecteral.com/knowledge/judgment-liens-in-idaho https://collecteral.com/knowledge/judgment-liens-in-idaho Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on land in Idaho: the recording act, what the lien reaches, the ten, twenty, and renewable clocks, and the homestead carve-out. https://collecteral.com/knowledge/judgment-liens-in-illinois https://collecteral.com/knowledge/judgment-liens-in-illinois Mon, 05 Oct 2026 09:00:00 GMT How an Illinois money judgment becomes a lien on real estate, which office records it, the 7-year clock and its revival, and the homestead exemption in one place. https://collecteral.com/knowledge/judgment-liens-in-indiana https://collecteral.com/knowledge/judgment-liens-in-indiana Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on real estate in Indiana: the act that creates it, the ten-year clock from rendition, the residence exemption, and the public judgment docket. https://collecteral.com/knowledge/judgment-liens-in-iowa https://collecteral.com/knowledge/judgment-liens-in-iowa Mon, 05 Oct 2026 09:00:00 GMT How a judgment becomes a lien on Iowa real estate: the county it attaches in, the homestead it misses, and the ten-year clock in Iowa Code 624.23. https://collecteral.com/knowledge/judgment-liens-in-kansas https://collecteral.com/knowledge/judgment-liens-in-kansas Mon, 05 Oct 2026 09:00:00 GMT How a Kansas judgment becomes a lien on real estate, the five-year dormancy clock under K.S.A. 60-2403, revivor, filing in another county, and the homestead exemption. https://collecteral.com/knowledge/judgment-liens-in-kentucky https://collecteral.com/knowledge/judgment-liens-in-kentucky Mon, 05 Oct 2026 09:00:00 GMT How a Kentucky money judgment becomes a lien on land: the notice filed with the county clerk, the ten-year clock, the one renewal, and the $5,000 homestead. https://collecteral.com/knowledge/judgment-liens-in-louisiana https://collecteral.com/knowledge/judgment-liens-in-louisiana Mon, 05 Oct 2026 09:00:00 GMT In Louisiana a money judgment becomes a judicial mortgage when it is filed with the recorder of mortgages. What the mortgage reaches, how long it lasts, and the homestead that stands in its way. https://collecteral.com/knowledge/judgment-liens-in-maine https://collecteral.com/knowledge/judgment-liens-in-maine Mon, 05 Oct 2026 09:00:00 GMT How a Maine judgment becomes an execution lien on land and personal property, the 20-day notice that keeps it alive, and the residence exemption that limits what it reaches. https://collecteral.com/knowledge/judgment-liens-in-maryland https://collecteral.com/knowledge/judgment-liens-in-maryland Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on land in Maryland, what land it reaches, the 12-year clock under Md. Rule 2-625, and the bankruptcy residence exemption. https://collecteral.com/knowledge/judgment-liens-in-massachusetts https://collecteral.com/knowledge/judgment-liens-in-massachusetts Mon, 05 Oct 2026 09:00:00 GMT Massachusetts reaches land by levy on execution and by attachment, both deposited in the registry of deeds. What that takes, what the homestead exemption blocks, and the clock the statutes leave open. https://collecteral.com/knowledge/judgment-liens-in-michigan https://collecteral.com/knowledge/judgment-liens-in-michigan Mon, 05 Oct 2026 09:00:00 GMT How a Michigan money judgment becomes a lien on real property: the notice of judgment lien, the register of deeds, the 5 year clock, the single rerecording, and the homestead exemption. https://collecteral.com/knowledge/judgment-liens-in-minnesota https://collecteral.com/knowledge/judgment-liens-in-minnesota Mon, 05 Oct 2026 09:00:00 GMT How a Minnesota judgment becomes a lien on land: docketing with the court administrator, the affidavit that must come first, the ten-year clock from entry, and the homestead that sits outside it. https://collecteral.com/knowledge/judgment-liens-in-mississippi https://collecteral.com/knowledge/judgment-liens-in-mississippi Mon, 05 Oct 2026 09:00:00 GMT In Mississippi a judgment binds nothing until it is enrolled. What enrollment reaches, the seven-year clock, how to renew it, and the homestead exemption, with citations to the Mississippi Code. https://collecteral.com/knowledge/judgment-liens-in-missouri https://collecteral.com/knowledge/judgment-liens-in-missouri Mon, 05 Oct 2026 09:00:00 GMT How a Missouri money judgment becomes a lien on real estate, which courts create one, where it is filed, how long it lasts at ten years, and the homestead exemption. https://collecteral.com/knowledge/judgment-liens-in-montana https://collecteral.com/knowledge/judgment-liens-in-montana Mon, 05 Oct 2026 09:00:00 GMT How a Montana judgment becomes a lien on land, which county clerk docket makes it, the 10-year clock and its child-support variant, and the homestead that stands in front of it. https://collecteral.com/knowledge/judgment-liens-in-nebraska https://collecteral.com/knowledge/judgment-liens-in-nebraska Mon, 05 Oct 2026 09:00:00 GMT A Nebraska judgment binds land in the county where it is entered from the day it is rendered, which is the day it hits the judgment index. Duration, dormancy, revival, and the homestead, from the Nebraska statutes. https://collecteral.com/knowledge/judgment-liens-in-nevada https://collecteral.com/knowledge/judgment-liens-in-nevada Mon, 05 Oct 2026 09:00:00 GMT How a Nevada money judgment becomes a lien on land, what it reaches, the six-year clock, how renewal works, and the homestead figure that stops a sale. https://collecteral.com/knowledge/judgment-liens-in-new-hampshire https://collecteral.com/knowledge/judgment-liens-in-new-hampshire Mon, 05 Oct 2026 09:00:00 GMT New Hampshire secures a judgment by attachment and by levy of execution, both recorded at the county register of deeds. What the statutes fix, and what they leave open. https://collecteral.com/knowledge/judgment-liens-in-new-jersey https://collecteral.com/knowledge/judgment-liens-in-new-jersey Mon, 05 Oct 2026 09:00:00 GMT How a New Jersey money judgment reaches real estate: the act that binds land, the Superior Court docket that records it, the 20-year revival clock, and the questions the statutes leave open. https://collecteral.com/knowledge/judgment-liens-in-new-mexico https://collecteral.com/knowledge/judgment-liens-in-new-mexico Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on real estate in New Mexico: the transcript you file with the county clerk, the homestead that stands in the way, and the fourteen-year clock. https://collecteral.com/knowledge/judgment-liens-in-new-york https://collecteral.com/knowledge/judgment-liens-in-new-york Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on real property in New York: the docketing act, the county that matters, the ten-year clock, renewal, and the homestead exemption. https://collecteral.com/knowledge/judgment-liens-in-north-carolina https://collecteral.com/knowledge/judgment-liens-in-north-carolina Mon, 05 Oct 2026 09:00:00 GMT How a judgment becomes a lien on real property in North Carolina: docketing with the clerk of superior court, the 10-year clock from entry, docketing in other counties, and the residence exemption. https://collecteral.com/knowledge/judgment-liens-in-north-dakota https://collecteral.com/knowledge/judgment-liens-in-north-dakota Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on real property in North Dakota: the docketing act, the twenty-year and ten-year clocks, renewal, other counties, and the homestead. https://collecteral.com/knowledge/judgment-liens-in-ohio https://collecteral.com/knowledge/judgment-liens-in-ohio Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on land in Ohio, what the certificate of judgment must contain, the five-year dormancy clock, revival, and the residence exemption. https://collecteral.com/knowledge/judgment-liens-in-oklahoma https://collecteral.com/knowledge/judgment-liens-in-oklahoma Mon, 05 Oct 2026 09:00:00 GMT In Oklahoma a judgment is not a lien on land until a Statement of Judgment is filed with the county clerk. What that filing does, what it reaches, and the five-year clock that ends it. https://collecteral.com/knowledge/judgment-liens-in-oregon https://collecteral.com/knowledge/judgment-liens-in-oregon Mon, 05 Oct 2026 09:00:00 GMT How an Oregon judgment becomes a lien on land, which office notes it, the ten-year clock and its one extension, and the $40,000 homestead exemption under ORS 18.395. https://collecteral.com/knowledge/judgment-liens-in-pennsylvania https://collecteral.com/knowledge/judgment-liens-in-pennsylvania Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on Pennsylvania real property, which office makes it, how five years is counted, and the $300 exemption. Not legal advice. https://collecteral.com/knowledge/judgment-liens-in-rhode-island https://collecteral.com/knowledge/judgment-liens-in-rhode-island Mon, 05 Oct 2026 09:00:00 GMT Rhode Island's lien statutes speak of attachments and executions levied of record, not of a judgment itself. What they reach, the 20-year clocks, and the $500,000 homestead. https://collecteral.com/knowledge/judgment-liens-in-south-carolina https://collecteral.com/knowledge/judgment-liens-in-south-carolina Mon, 05 Oct 2026 09:00:00 GMT How a judgment becomes a lien on South Carolina real estate, the homestead exemption that shields a residence, the ten-year clock, and the question the statutes leave open. https://collecteral.com/knowledge/judgment-liens-in-south-dakota https://collecteral.com/knowledge/judgment-liens-in-south-dakota Mon, 05 Oct 2026 09:00:00 GMT A South Dakota judgment becomes a lien on land when it is docketed with the clerk of the circuit court in the county where the land sits, and it lasts ten years. https://collecteral.com/knowledge/judgment-liens-in-tennessee https://collecteral.com/knowledge/judgment-liens-in-tennessee Mon, 05 Oct 2026 09:00:00 GMT How a Tennessee judgment becomes a lien on land: registration in the county's lien book, a ten-year clock from judgment entry, and the homestead exemption that sits over it. https://collecteral.com/knowledge/judgment-liens-in-texas https://collecteral.com/knowledge/judgment-liens-in-texas Mon, 05 Oct 2026 09:00:00 GMT How a Texas judgment becomes a lien on land: the abstract of judgment, the county limit, the dormancy clock, and the homestead that a judgment cannot touch. https://collecteral.com/knowledge/judgment-liens-in-utah https://collecteral.com/knowledge/judgment-liens-in-utah Mon, 05 Oct 2026 09:00:00 GMT How a Utah judgment becomes a lien on real property: recording with the county recorder, the eight-year clock, renewal, and the homestead exemption's dollar amounts. https://collecteral.com/knowledge/judgment-liens-in-vermont https://collecteral.com/knowledge/judgment-liens-in-vermont Mon, 05 Oct 2026 09:00:00 GMT How a Vermont judgment becomes a lien on real property: a certified copy filed with the town clerk, an eight-year clock, the homestead exemption, and how renewal relates back. https://collecteral.com/knowledge/judgment-liens-in-virginia https://collecteral.com/knowledge/judgment-liens-in-virginia Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on real estate in Virginia: the docket act, the clerk's office, the ten and twenty year clocks, extension by certificate, and the homestead exemption. https://collecteral.com/knowledge/judgment-liens-in-washington https://collecteral.com/knowledge/judgment-liens-in-washington Mon, 05 Oct 2026 09:00:00 GMT How a Washington judgment becomes a lien on real estate, which court it comes from, the county clerk's execution docket, the ten-year clock, extension as of right, and the homestead rule. https://collecteral.com/knowledge/judgment-liens-in-west-virginia https://collecteral.com/knowledge/judgment-liens-in-west-virginia Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on West Virginia real estate, the ten-year clock against later purchasers, docketing by county, and the homestead figures that differ inside bankruptcy and out. https://collecteral.com/knowledge/judgment-liens-in-wisconsin https://collecteral.com/knowledge/judgment-liens-in-wisconsin Mon, 05 Oct 2026 09:00:00 GMT How a money judgment becomes a lien on real property in Wisconsin: the judgment and lien docket, the 10-year clock, homestead at $75,000, and taking the lien into another county. https://collecteral.com/knowledge/judgment-liens-in-wyoming https://collecteral.com/knowledge/judgment-liens-in-wyoming Mon, 05 Oct 2026 09:00:00 GMT How a Wyoming money judgment becomes a lien on land, which office records it, the five-year dormancy clock and revival, reaching land in other counties, and the homestead exemption. https://collecteral.com/knowledge/judgment-liens-state-by-state https://collecteral.com/knowledge/judgment-liens-state-by-state Mon, 05 Oct 2026 09:00:00 GMT The act that turns a judgment into a lien on land sorts into four families across the fifty-one jurisdictions: recording a paper, docketing, the judgment's own entry, and attachment or execution. https://collecteral.com/knowledge/land-trusts-and-revocable-trusts https://collecteral.com/knowledge/land-trusts-and-revocable-trusts Mon, 05 Oct 2026 09:00:00 GMT The deed names a trustee, not your debtor. What that means depends on which of three trusts it is, and the record usually stops at the trustee's name. https://collecteral.com/knowledge/lis-pendens-is-notice https://collecteral.com/knowledge/lis-pendens-is-notice Mon, 05 Oct 2026 09:00:00 GMT A lis pendens, or notice of pendency, warns everyone who comes after that a lawsuit could bind them. This page covers New York and Florida, and only those two. https://collecteral.com/knowledge/look-back-windows-by-state https://collecteral.com/knowledge/look-back-windows-by-state Mon, 05 Oct 2026 09:00:00 GMT How far back a creditor can reach to undo a transfer turns on the state and on whether the debtor files. Four years is the common rule, not the national one, and this page says where it does not hold. https://collecteral.com/knowledge/mortgage-assignments-and-mers https://collecteral.com/knowledge/mortgage-assignments-and-mers Mon, 05 Oct 2026 09:00:00 GMT The name on a recorded mortgage is not always whoever owns the loan today. What New York and Florida law provide about assignments, the record, and who signs the discharge. https://collecteral.com/knowledge/moving-a-judgment https://collecteral.com/knowledge/moving-a-judgment Mon, 05 Oct 2026 09:00:00 GMT A judgment is a lien only where it is filed. This page shows which filing reaches another county, another state and another federal district, and when the clock on the lien begins. https://collecteral.com/knowledge/municipal-and-code-liens https://collecteral.com/knowledge/municipal-and-code-liens Mon, 05 Oct 2026 09:00:00 GMT How a Florida code enforcement fine becomes a lien, where municipal charges are and are not recorded, and which of them outrank what a buyer or creditor already holds. https://collecteral.com/knowledge/new-york-homestead https://collecteral.com/knowledge/new-york-homestead Mon, 05 Oct 2026 09:00:00 GMT New York exempts a slice of home equity from a money judgment, and the amount depends on the county. The 2024 figures, the three-year adjustment, and what happens above the floor. https://collecteral.com/knowledge/post-judgment-interest https://collecteral.com/knowledge/post-judgment-interest Mon, 05 Oct 2026 09:00:00 GMT What rate a money judgment earns after entry in New York, Florida and federal court, how and when that rate changes, and where the statutes stop short. https://collecteral.com/knowledge/pretexting-is-a-crime https://collecteral.com/knowledge/pretexting-is-a-crime Mon, 05 Oct 2026 09:00:00 GMT Pretexting means obtaining a financial institution's customer information by a false statement or a forged document. Federal law makes it a crime, and asking someone else to do it can be a separate violation. https://collecteral.com/knowledge/property-taxes-come-first https://collecteral.com/knowledge/property-taxes-come-first Mon, 05 Oct 2026 09:00:00 GMT In Florida, property tax is a first lien superior to all other liens from January 1 of the year it is levied. That is why this year's tax outranks a mortgage recorded years earlier. https://collecteral.com/knowledge/quitclaims-and-family-deeds https://collecteral.com/knowledge/quitclaims-and-family-deeds Mon, 05 Oct 2026 09:00:00 GMT A quitclaim to a relative can be estate planning or a move to put a house out of reach. What the deed conveys, what the tax line shows, and why it is a lead rather than a finding. https://collecteral.com/knowledge/restraining-notices-and-garnishment https://collecteral.com/knowledge/restraining-notices-and-garnishment Mon, 05 Oct 2026 09:00:00 GMT How New York's restraining notice and bank levy and Florida's writ of garnishment freeze a debtor's account, and the exempt money a bank cannot touch under federal and state law. https://collecteral.com/knowledge/retirement-and-insurance https://collecteral.com/knowledge/retirement-and-insurance Mon, 05 Oct 2026 09:00:00 GMT How New York, Florida and federal bankruptcy law treat IRAs, pension plans, annuities and life insurance cash value, and where each protection has an exception a creditor can use. https://collecteral.com/knowledge/satisfaction-deadlines https://collecteral.com/knowledge/satisfaction-deadlines Mon, 05 Oct 2026 09:00:00 GMT A paid mortgage can sit on the record as open because the recorded release never got filed. New York and Florida set deadlines for that filing, and penalties for missing it. This page is not legal advice. https://collecteral.com/knowledge/selling-or-assigning-a-judgment https://collecteral.com/knowledge/selling-or-assigning-a-judgment Mon, 05 Oct 2026 09:00:00 GMT A judgment can be sold. What the buyer must file in New York, record in Florida, and whether buying judgments to collect them counts as collection business elsewhere. https://collecteral.com/knowledge/state-and-federal-court-records https://collecteral.com/knowledge/state-and-federal-court-records Mon, 05 Oct 2026 09:00:00 GMT A lawsuit leaves its trace on the docket of the court where it was filed, and a judgment reaches land only through the office state law names. Two court systems, two searches. https://collecteral.com/knowledge/tax-deed-surplus https://collecteral.com/knowledge/tax-deed-surplus Mon, 05 Oct 2026 09:00:00 GMT A Florida tax deed cuts off most liens, but a sale above the tax debt leaves a surplus the clerk holds and distributes by priority. What a judgment creditor can claim, and by when. https://collecteral.com/knowledge/texas-homestead https://collecteral.com/knowledge/texas-homestead Mon, 05 Oct 2026 09:00:00 GMT A Texas homestead is protected from forced sale for all but a short list of debts, and a recorded judgment lien does not attach to it. The protection is sized in acres, and the page states no dollar figure. https://collecteral.com/knowledge/the-automatic-stay https://collecteral.com/knowledge/the-automatic-stay Mon, 05 Oct 2026 09:00:00 GMT When a debtor files for bankruptcy, the petition itself freezes most collection. This page maps what the automatic stay halts, what it leaves alone, and how a creditor asks the court for relief. https://collecteral.com/knowledge/the-ninety-day-rule https://collecteral.com/knowledge/the-ninety-day-rule Mon, 05 Oct 2026 09:00:00 GMT A recorded judgment lien can be avoided as a preference if it attached inside the window before a bankruptcy petition. What the window is, who an insider is, and what the trustee must prove. https://collecteral.com/knowledge/the-shrinking-public-record https://collecteral.com/knowledge/the-shrinking-public-record Mon, 05 Oct 2026 09:00:00 GMT Some owners disappear from a county's public search because a statute removes them. This page explains redaction, restricted access and restricted-use laws in four jurisdictions, and what each does not reach. https://collecteral.com/knowledge/transfer-declarations-name-both-sides https://collecteral.com/knowledge/transfer-declarations-name-both-sides Mon, 05 Oct 2026 09:00:00 GMT When the deed index is offline, the tax form filed with the deed often names buyer, seller and price. What each state's form carries, and where it goes. https://collecteral.com/knowledge/transfer-tax-outside-florida https://collecteral.com/knowledge/transfer-tax-outside-florida Mon, 05 Oct 2026 09:00:00 GMT Thirty-three states and the District of Columbia for which a statute was found tax a deed. Some figure the tax on the price paid, some on value, and on a gift or an exempt deed the number can tell you nothing. https://collecteral.com/knowledge/turnover-and-receivers https://collecteral.com/knowledge/turnover-and-receivers Mon, 05 Oct 2026 09:00:00 GMT When the asset is money, a bank balance or goods rather than real property, a court can order the debtor, or the person holding it, to pay or deliver it, and can appoint a receiver to run it. https://collecteral.com/knowledge/vehicles-and-the-dppa https://collecteral.com/knowledge/vehicles-and-the-dppa Mon, 05 Oct 2026 09:00:00 GMT A federal law closes state motor vehicle records by default and lists the uses that reopen them. Judgment enforcement is on that list, as a permission, not a right. https://collecteral.com/knowledge/wages-what-can-be-taken https://collecteral.com/knowledge/wages-what-can-be-taken Mon, 05 Oct 2026 09:00:00 GMT Federal law caps wage garnishment at a quarter of disposable earnings or what is above a weekly floor. New York and Florida set floors of their own, and Florida can protect the whole check. https://collecteral.com/knowledge/what-a-trustee-looks-for https://collecteral.com/knowledge/what-a-trustee-looks-for Mon, 05 Oct 2026 09:00:00 GMT The public record dates every deed and lien and indexes it by both parties' names. A Chapter 7 trustee reads that against the debtor's own schedules, and the law gives both the look-back windows and the power to act on what does not match. https://collecteral.com/knowledge/what-an-asset-investigation-contains https://collecteral.com/knowledge/what-an-asset-investigation-contains Mon, 05 Oct 2026 09:00:00 GMT An asset investigation is a report of what public records and lawful requests show about a debtor's property. This page lists what belongs in it, what drives the work, and the lines federal law puts a prison term behind. https://collecteral.com/knowledge/which-liens-survive-a-sale https://collecteral.com/knowledge/which-liens-survive-a-sale Mon, 05 Oct 2026 09:00:00 GMT When a senior lender forecloses, a junior lien is not simply erased. What the statutes settle is who must be named, what the deed bars, and who claims the surplus. The rest is case law. https://collecteral.com/knowledge/which-office-keeps-what https://collecteral.com/knowledge/which-office-keeps-what Mon, 05 Oct 2026 09:00:00 GMT The owner on the tax roll and the owner on the deed come from different offices with different jobs. A guide to which of five offices holds each record, and which one decides priority. https://collecteral.com/knowledge/a-co-op-is-not-real-property https://collecteral.com/knowledge/a-co-op-is-not-real-property Wed, 16 Sep 2026 09:00:00 GMT A docketed money judgment reaches real property. Co-operative shares and a proprietary lease are personal property, so it reaches nothing. Why ACRIS holds co-op filings anyway, and why they run 50 years instead of five. https://collecteral.com/knowledge/construction-liens-and-the-backwards-clock https://collecteral.com/knowledge/construction-liens-and-the-backwards-clock Wed, 16 Sep 2026 09:00:00 GMT A Florida construction lien takes its priority from the notice of commencement, recorded before the work began, not from the claim of lien. What that does to a judgment docketed in between, and what a lien with no lis pendens behind it means. https://collecteral.com/knowledge/doc-stamps-give-the-real-price https://collecteral.com/knowledge/doc-stamps-give-the-real-price Wed, 16 Sep 2026 09:00:00 GMT A Florida deed reciting ten dollars proves nothing. The documentary stamp tax on the same instrument is computed from actual consideration, so the price can be recovered by dividing. What 70 cents of stamps means, and what no stamps means. https://collecteral.com/knowledge/federal-tax-liens-and-the-hidden-date https://collecteral.com/knowledge/federal-tax-liens-and-the-hidden-date Wed, 16 Sep 2026 09:00:00 GMT A federal tax lien attaches everything from the date of assessment, which no register records. Against a judgment creditor it counts from the day the notice was filed. What the refiling window does, and what a missed one costs. https://collecteral.com/knowledge/florida-homestead-and-the-roll https://collecteral.com/knowledge/florida-homestead-and-the-roll Wed, 16 Sep 2026 09:00:00 GMT A judgment lien does not attach to a Florida homestead, and the exemption flag on the tax roll answers a different question. What the flag means, the 45 days a notice of homestead starts, and why the flag belongs to the seller in the year of a sale. https://collecteral.com/knowledge/check-any-line-yourself https://collecteral.com/knowledge/check-any-line-yourself Tue, 15 Sep 2026 09:00:00 GMT The procedure for verifying a claim about a recorded document against the register it came from, and the three questions the register will not settle. https://collecteral.com/knowledge/entities-and-officers-behind-a-name https://collecteral.com/knowledge/entities-and-officers-behind-a-name Tue, 15 Sep 2026 09:00:00 GMT A parcel held by a company returns the company. The land records give you one human being, in the acknowledgment, and Fla. Stat. 695.25 says what that block must contain. https://collecteral.com/knowledge/face-amount-and-balance https://collecteral.com/knowledge/face-amount-and-balance Tue, 15 Sep 2026 09:00:00 GMT The register records what an instrument said on the day it was stamped, not what is owed now. Which direction that error runs in, and the case where it runs the other way. https://collecteral.com/knowledge/glossary-of-register-terms https://collecteral.com/knowledge/glossary-of-register-terms Tue, 15 Sep 2026 09:00:00 GMT Document type codes, party roles and the three identifiers, taken from the register's own code tables. Party one on a satisfaction is the borrower. https://collecteral.com/knowledge/state-tax-warrants-as-senior-claims https://collecteral.com/knowledge/state-tax-warrants-as-senior-claims Tue, 15 Sep 2026 09:00:00 GMT A docketed warrant looks like a judgment and is deemed to be one. For the franchise taxes the lien attaches from the date the return was due, which is not on the document. https://collecteral.com/knowledge/tenancy-by-the-entireties https://collecteral.com/knowledge/tenancy-by-the-entireties Tue, 15 Sep 2026 09:00:00 GMT The estate arises by default from a conveyance to a married couple. What separates it from a joint tenancy is a fact no county register records. https://collecteral.com/knowledge/transfers-after-a-judgment https://collecteral.com/knowledge/transfers-after-a-judgment Tue, 15 Sep 2026 09:00:00 GMT Whether the lien attached turns on the order of two recordings. If it did not, two clocks run from the day of the transfer, one of four years and one of a single year. https://collecteral.com/knowledge/what-a-property-roll-shows https://collecteral.com/knowledge/what-a-property-roll-shows Tue, 15 Sep 2026 09:00:00 GMT The roll is a tax record whose owner field is fed daily from the recorder under Fla. Stat. 695.22. Four ordinary ways it and the title come apart. https://collecteral.com/knowledge/what-a-ucc-filing-attaches-to https://collecteral.com/knowledge/what-a-ucc-filing-attaches-to Tue, 15 Sep 2026 09:00:00 GMT Most financing statements are not in the land records. UCC 9-501(a) names the four that are, and 9-515 gives the rest five years before they lapse. https://collecteral.com/knowledge/what-an-empty-result-means https://collecteral.com/knowledge/what-an-empty-result-means Tue, 15 Sep 2026 09:00:00 GMT A search that returns nothing has told you about the search. Which offices were queried, which key was used, and what period the data covers decide whether it told you anything else. https://collecteral.com/knowledge/why-a-paid-off-mortgage-still-shows-up https://collecteral.com/knowledge/why-a-paid-off-mortgage-still-shows-up Tue, 15 Sep 2026 09:00:00 GMT A satisfaction is a separate recorded document, and in a block-index county the mortgage record need not say it exists. What that does to a total, and how to check one. https://collecteral.com/knowledge/if-you-already-use-a-people-search-product https://collecteral.com/knowledge/if-you-already-use-a-people-search-product Mon, 14 Sep 2026 09:00:00 GMT What an aggregator like TLOxp or Accurint is built to answer, what a county register answers instead, and why there is nothing here to apply for. https://collecteral.com/knowledge/priority-by-recording-date https://collecteral.com/knowledge/priority-by-recording-date Mon, 14 Sep 2026 09:00:00 GMT The date on a judgment is not the date that decides who gets paid. What decides it is a filing act, in a named office. New York and Florida, with the statutes. https://collecteral.com/knowledge/what-a-floor-is-worth https://collecteral.com/knowledge/what-a-floor-is-worth Mon, 14 Sep 2026 09:00:00 GMT One judgment, one recorded stack, and the sum walked both ways: where the floor says pursue, and where it says stop before you spend the examination. https://collecteral.com/knowledge/what-reports-may-be-used-for https://collecteral.com/knowledge/what-reports-may-be-used-for Mon, 14 Sep 2026 09:00:00 GMT No permissible-use dropdown, and what that does and does not mean. Where the records come from, the restriction you accept, and what FCRA, GLBA and DPPA say.