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In most cases judgments can be executed against real property that belongs to the debtor/defendant. The process usually requires a lawsuit against the debtor in the state and county where he or she resides. If the plaintiff wins the case a judgment is entered against the named debtor and the judgment can be executed as a lien. The exception to the process is federal and state tax arrearages and Mechanic's liens none of which require the due process of a lawsuit to be followed. Some creditors retain law firms who are licensed arbitrators in which the defaulted account is referred to the National Arbitration Board rather than the normal lawsuit process. An award to a plaintiff through arbitration may or may not be legally binding or be grounds for the creditor obtaining a judgment from the court in the state where the debtor resides.

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Q: Can a person place a lien on your house with a court order?
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