Property Ownership
In Texas, a 'judgment lien' attaches to real property in the county where the judgment is abstracted and recorded. Homestead property is:
ASubject to judgment liens if the debt was for home improvements
BExempt from judgment liens for most unsecured debts under Texas homestead protection laws✓ Correct
CSubject to all judgment liens without exception
DOnly protected if the homestead was declared before the debt was incurred
Explanation
Texas's homestead protection exempts the homestead from forced sale and from liens arising from most unsecured debts (credit cards, medical bills, etc.). A judgment lien cannot force the sale of a properly designated homestead for most unsecured debts. Exceptions include purchase money liens, home equity loans, property taxes, and mechanic's liens for home improvements.
Related Texas Property Ownership Questions
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