Lien are a creature of statute, and each state is different. If you're in Washington, go to RCW Chapter 60- anywhere else, and you're on your own. If you're seriously considering it, get a lawyer, because I can just about gar-on-tee that you'll get it wrong if you try to do it yourself. And it doesn't have to be wrong by much to get it thrown out.
I once got a $100,000 garnishment set aside because of a very minor mis-step by the creditor's attorney- I think he was a day late sending out the required notices, or some such. I used the magic phrase "garnishment procedures, being in derogation of the common law, are to be strictly construed." Creditor's attorney was a well known collection attorney, and I was a green kid fresh out of law school. The judge looked at him and said "Well, Leon, I think the lad's got you on this one."
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Today's Featured Article - Talk of the Town: The Saga of Grandpa's Tractor - by The following saga is from the Tractor Talk Discussion Forum. Someone. The saga starts with the following message: Hey guys I have a decision to make. I know what you all will probably suggest and it will probably agree with me way down inside, but here it is. I have a picture blown up and framed in my "tractor room" of a Farmall M. It was my Grandpa's tractor, of which whom I never got to meet. He froze to death getting this tractor out of the barn to pull a truck out of the ditch before I was born. Anyway my dad and aunt had to sell it at the auction,
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