Legal Question in Credit and Debt Law in Pennsylvania

It depends on your circumstances. Options range from doing nothing to filing bankruptcy to everything in between. A lien is not a big deal. Do you have plans to sell or refinance? If no, then the lien will not really affect you., The lien just tells other buyers or lenders that when the mobile home is sold, the proceeds have to go to the creditor who has the lien. The judgment lien can last for 5 years on real property unless revived or 20 years on personal property. Is the mobile home on a rented lot or is it attached to the land such that it would be treated like a regular home?

Execution (which involves the creditor having the sheriff take possession of an item and selling it is much more serious). If your home is owned free and clear and the creditor has scheduled a sheriff's sale then the only thing that can would be to either pay the debt, work out a payment arrangement or file bankruptcy.

I suggest that you try and talk with a consumer or bankruptcy lawyer. What is the judgment lien for? How much is it? Is this your only debt? Do you have at least $10,000 in dischargeable debts? If you do, then maybe bankruptcy is the best option. Many bankruptcy attorneys give free consults. Take advantage of that and get one to see whether you would qualify for a chapter 7.

If your debts are less than $10,000, then bankruptcy may not be right for you. You are disabled - are you getting disability? How much per month? Any other income? Is your income exhausted by your living expenses or can you save a piece of it? If you are able to set aside some funds, maybe you can do that and if you save up enough you will one day have enough to settle the lien and it will be released. However, you should talk with a consumer lawyer to allow him or her to evaluate your circumstances and position you for ultimate resolution of the debt.

I can give free consults by email; I charge $75 for a 30-minute phone consult. If you are interested, please contact me at [email protected].