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In the Unites States the creditor must obtain a judgment lien in a court of jurisdiction. The debtor will be served with notice of the action to give them the opportunity to defend against the charges. If the lien is approved, a copy will be delivered to the debtor and a copy will be recorded in the land records. The civil law doesn't operate in secret in the US.

In the case of a lien for property or income taxes, those can be recorded in the land records and notice of the debt has already been sent to the tax delinquent.

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15y ago

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