A judgment creditor will want to file a judgment lien, to help ensure that that a judgment is satisfied.
A Judgment Lien is a non-consensual lien on a piece of property. A mortgage is a consensual lien.
In Connecticut, a Judgment Lien can attach jointly own property. A judgment lien can be foreclosed in the State of Connecticut. “The execution levy at least upon sale, operates as an involuntary conveyance by the joint tenant against whom the execution runs.” “This is turn causes a severance of his undivided interest and a consequent destruction of the joint tenancy.” See New Haven Trolley & Bus Employees Credit Union v. Hill, 145 Conn. 322 (1958)
What this means is that a creditor who has a judgment lien against a piece of property in which there are joint tenants can foreclose the lien. If there is a foreclosure sale, (or a strict foreclosure), the interest of the joint tenant is severed, and the lien holder takes over the interest of the lien holder. Basically, the lien holder then becomes a joint owner of the property, or entitled to a portion of the proceeds of a sale.
If you are a judgment lienholder or judgment debtor in Connecticut, and have any questions, please feel free to contact
Attorney Robert M. Singer, 2572 Whitney Avenue, Hamden, CT 06518
Serving New Haven County and all of Connecticut