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 - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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