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In most cases a judgment holder can encumber a primary residence with a lien to the extent of the amount of the lien and/or non exempted amount of the property.

Generally the homestead exemption protects the property from a forced sale for the debt owed. In addition there are several US states that do not allow the forced sale of a primary residence to satisfy a judgment creditor.

Please do not confuse a judgment lien with foreclosure procedures, they are two entirely different matters.

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Q: Can a debt collector place a lien on a homestead exempted home?
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