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 - Old Time Threshing - by Anthony West. A lovely harvest evening late September 1947, I was a school boy, like all school boys I loved harvest time. The golden corn ripens well and early, the stoking, stacking,.... the drawing in with the tractors and trailers and a few buck rakes thrown in, and possibly a heavy horse. It would be a great day for the collies and the terrier dogs, rats and mice would be at the bottom of the stacks so the dogs, would have a busy time hunting and killing, all the corn was gathered and ricked in what we c
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