what personal property can be seized in a judgementwhat personal property can be seized in a judgement

The homestead exemption protects real property thats used as a primary residence. For instance, you might own a share of a vacation cabin in the mountains but never visit. The judgment creditor will be entitled to the proceeds of the sale minus sheriff fees, storage costs, and auction fees. This kind of debt is a "secured" debt. Conclusion Or, the judge might not care whether the debt was for a basic necessity and may consider only whether or not you need the money to support your family. Be aware that despite the availability of exemptions, if you are still making payments on a major purchasefor example, a home or caryour creditor most likely has a lien on the property to secure repayment. Interested and eligible creditors may obtain information regarding what personal property can be seized by querying the local court where the judgment was declared. The SBA has enhanced collection remedies regardless of state property exemptions. Some buyers may be willing to buy a home with a judgment lien in as-is condition, meaning theyll take on the debt associated with the judgment. This article outlines the types of property that can be seized by a judgment creditor and what you need to know when your property is subject to seizure.
The property doesn't have to be property the creditor took as collateral for a loan. After the deposition, the creditor obtains a writ of garnishment against Amys joint bank account and a wage garnishment against Amys employer. A creditor does not need a writ of execution issued before using debt collection laws to find out about debtor assets or attach a judgment to the debtors real estate. A Florida judgment lasts for 20 years. There are limited reasons to contest the recording of a foreign judgment (for example, lack of jurisdiction or fraud). This is called "an attachment and execution" or a "levy of execution." United States federal agencies, such as the Federal Trade Commission (FTC), sometimes sue individuals in federal court for money damages and fines for violation of federal rules and regulations. WebA plaintiff, in addition to tangible personal property, can seize the following: bank accounts, brokerage accounts, accounts receivables, interests in partnerships or membership interests in limited liability companies, homes and condos, and many other similar assets. If a judgment originates out of state and is domesticated in Florida, the timeline begins on the day the original court enters the judgment. Personal property includes personal belongings such as vehicles, furniture or appliances. WebThe sheriffs department can seize: Personal property: movable things (e.g., cars, horses, boats, furniture, jewelry) owned by the debtor. WebIn most states, selected assets, personal property, and wages may be exempt and the creditor will be restricted from levying, seizing, or demanding the items from a judgment debtor. The wage garnishment compels her employer turns give the creditor 25% of Amys take-home pay. The writ of garnishment does not attach to money owed to the debtor in the future, except for wages and salary, as discussed below. Ajudgment lienis the recording of a monetary judgment with the Florida Secretary of State, giving the holder of that judgment priority in attacking property owned by the judgment debtor. A judgment creditor can seize all non-exempt personal property inside your home. That means a judgment creditor cant seize or sell your home if its fully covered by the homestead exemption available to you. Personal property that counts toward the exemption includes furniture, clothes, tools, and equipment, some cars, pets, and some farm animals. Usually, you must agree to cooperate with the creditor in pursuing the claim as part of the assignment of rights. The judgment creditor can garnish the underlying note and payment stream if it finds that a debtor is a mortgagee from seller financing. 407 (a).) The creditor may not challenge your claim. WebA plaintiff, in addition to tangible personal property, can seize the following: bank accounts, brokerage accounts, accounts receivables, interests in partnerships or membership interests in limited liability companies, homes and condos, and many other similar assets. Floridas laws for discovery in aid of execution allow creditors to request copies of a debtors bank statements, check registers, canceled checks, credit card statements, insurance policies, and tax returns. A judgment creditor may use a debtors inflated valuations and asset descriptions on lending documents to contradict the debtors attempt to minimize the value of their assets during a deposition. When a creditor seeks to collect a judgment against you, all your property that's not exempt under state law could be taken to satisfy the judgment. The sheriff will sell the stock at auction. Not wanting to work for 25% less, Amy negotiates a settlement agreement with the judgment creditor to pay $25,000 to settle in full. The FDCPA provides pre-judgment remedies including attachment, garnishments, or appointment of a receiver. WebSeizing the debtors personal property or real estate. What makes the U.S. governments pre-judgment remedies so powerful is the absence of a bond requirement. Typically, because the value of the claim won't be definitely settled or known when you make the assignment, you and the creditor will negotiate what you think it might be finally worth, plus interest, minus what it will cost to pursue the claim. The debtor can redeem the seized property by Another consideration is whether transferring the property left the debtor in a situation bordering on insolvency, making it less likely to be able to satisfy debts. Hiding assets, misrepresenting asset values, and lying about prior transfers of assets amounts to perjury. Let's say you only owe $10,000 on that car. The attorney questioning you will very likely discover these assets. Proper asset protection requires a complete understanding of the legal tools a creditor has available to collect a judgment and then positioning assets in a way to defeat the same collection tools. Periodic payments due to the debtor from social security, annuities, and retirement plans also cannot be garnished in Florida. If you were subject to collection, you could keep your car if it was worth $4,000 or less. Despite how dire this action sounds, debtors still have rights that a creditor must not violate, and not all property can be seized in a judgment. No. Any preexisting liens on the property must be paid before any money is available to pay the judgment creditor. All Rights Reserved. With the judgment in hand, a judgment creditor now has the means to obtain a lien known as a judgment lien. WebJudgment creditors can only seize property you own. Personal property can The debtors salary and wages may be subject to acontinuing writ of garnishment. Or you might own furniture or a car that someone else is using. Social media has made it easier than ever for creditors to discover the nature and location of assets. Execution and levy are used to seize real estate, stock in corporations, and the debtors personal property. WebThe sheriffs department can seize: Personal property: movable things (e.g., cars, horses, boats, furniture, jewelry) owned by the debtor. Some states allow you to double all or certain of its exemptions if you are married. In the event of an economic downturn or personal financial catastrophe, the same people become concerned about what will happen if they cannot pay their debt obligations. WebThis may include the seizure of personal property and real property. Therefore, if you still have a car loan and little equity in your vehicle, the creditor will likely avoid seizing that asset. In this scenario, you are entitled to the full value of your exemption$4,000but not to the car itself. The creditor can also seek information from third parties, such as an examination under oath of the debtors spouse and other family members. Whilea judgmentlasts 20 years in Florida,a judgment lienis valid for only ten years. (NRS 21.090 (1) (y) and 42 U.S.C. Blake Harris Law works with clients nationwide to create robust asset protection plans. The sheriffs department will not locate the property for you. Judgment proofrefers to a situation where a civil monetary judgment creditor cannot collect any of a debtors assets or income. The same property search can identify whether the debtor holds any mortgages on someone elses real estate to secure a promissory note payable to the debtor. Example #2. A creditor initiates proceedings supplementary by filing a motion with the court that issued the final judgment. Please enable JavaScript in your browser to submit the form. Judges tend to rule against any party who has previously lied to the court or the adverse party. A more realistic goal ofasset protectionis making it more difficult for the judgment creditor to collect a money judgment, thereby increasing the debtors position in settlement negotiation. The filing is not required, but it can be an important factor in recovering your debt. The extent and nature of a debtors ownership of a business entity is usually revealed through the debtors tax returns or the use of other discovery tools. 407 (a).) Florida law requires the sheriffs department to pay all judgment creditors based on the order their judgment liens were filed. WebOfficers can seize assets without charging the owner with a crime under the law. Creditors can use execution and levy against debtors shares of common stock of their own business. How Creditors Collect Debts: Repossession, Wage Garnishment, Bank Attachment, and More, Do Not Sell or Share My Personal Information, property you're entitled to but don't yet possess. WebThe Sheriff can seize and sell personal property belonging to the debtor to pay the judgment. They can sue the debt collector in state court, report the action to a government agency, report the action to the state attorney general, or use the violation as leverage in debt settlement negotiations. Once you have this information, you may proceed to execute on the judgment. Private investigators may perform asset searches as a service to judgment creditors. The CCPA supplements the protections provided by the federal Fair Debt Collection Practices Act (FDCPA). She has a judgment against her for old credit card debt for $50,000. The court may order the debtor to retrieve property that is not currently in the debtors possession. Bankruptcy could expose other assets, and it has a worse impact on credit ratings than does a civil judgment. The creditor can execute against the debtors property in possession of a third party. That means a judgment creditor cant seize or sell your home if its fully covered by the homestead exemption available to you. Recording a certified copy of the judgment in any county creates a judgment lien on the debtors real property located in the same county, other than homestead property. If a credit card company gets a judgment against you for unpaid credit card debt, you need to prepare for the creditors attempts to collect the judgment. Submit a public records request. State law limits how much of your earnings can be taken directly from an employerit usually depends on the kind of debt. In addition, lenders typically require individual borrowers or guarantors to periodically update their financial statements during the life of the loan and submit copies of annual tax returns. Suppose you own a $3,000 boat in a state that doesn't exempt boats but does have a wildcard of $5,000. The lien is in effect for 10 years, and it can be renewed for an additional ten years. A car with significant debt is not a good collection target. Assets that credits can seize include: Bank accounts Investment accounts Inheritances Assets owned by your spouse Personal homes (different from state to state) Rental properties Vehicles Business equipment 25% 407 (a).) The creditor is not required to provide advance notice to the debtor prior to serving a writ of garnishment. Selling the car for $20,000 would pay off the lender in full, pay your $4,000 exemption, and leave a portion of the remaining $6,000 (after the costs of sale are deducted) to go to your judgment creditor. The process is referred to as the domestication of a foreign judgment. The creditor can demand that the debtor disclose all assets in which the debtor has any legal or equitable interest, including assets owned jointly with a spouse, family members, or business associates. The U.S. governments post-judgment collection tools are comparable to state law collection remedies and include judgment liens on real property, garnishment of accounts and debts, and levy on personal property. The sheriff pays you $500 for your costs, regardless of the amount you actually spent. If the debtor is unwilling or unable to pay the judgment voluntarily, the creditor must use legal tools to collect the judgment from the debtors assets. Some courts will issue break orders without advance warning to the debtor. They will ask for advice about what they should do if a court enters a money judgment against them in favor of a creditor. In most states, examples of exempt property and exempt income include: The above list includes most of the available exemptions, but its important to remember that state law varies, so the protected assets that qualify as exempt from creditor action in one state might not apply in another.

State law dictates what debtors assets and property can be seized in judgments, and the rules vary. After a creditor locates a debtors assets, the creditor applies collection tools to seize and liquidate the assets. Bankruptcy should be the debtors last resort. The creditor can bid at the auction the amount of its judgment for the stock. This protection originates fromArticle X, Section 4of the Florida Constitution. When this happens, a judgment creditor pays a bond to the local sheriff to seize personal property owned by a judgment debtor so that it can be auctioned and the proceeds applied to pay the judgment. Garnishment actions begin with the clerk of courts issuance of a garnishment writ. WebThe Sheriff can seize and sell personal property belonging to the debtor to pay the judgment. The debtor must answer questions under oath and under penalty of perjury. People facing the collection of a judgment should resist the urge to hide or misrepresent their assets during the creditors asset discovery procedures. Also, most court judgments do not reimburse the creditor for its own legal fees incurred in trying to collect the judgment. Personal property that counts toward the exemption includes furniture, clothes, tools, and equipment, some cars, pets, and some farm animals. Online property records are centrally linked to state and national databases. Some debtors lease their motor vehicles instead of owning them. This exemption gives you a dollar amount that you can apply to any type of property. (NRS 21.090 (1) (y) and 42 U.S.C. A creditor can require a debtor to sit before a court reporter while the creditor asks questions about the debtors financial affairs and assets. The attorney listings on this site are paid attorney advertising.

Contact Us | Disclaimer. WebBefore beginning court action, you should try to identify any assets or property belonging to the defendant, determine the location of this property, and identify the defendant's place of employment. Interested and eligible creditors may obtain information regarding what personal property can be seized by querying the local court where the judgment was declared. They can also include future assets a debtor expects to receive such as commissions, insurance payouts, and royalties.

The creditor may not levy assets owned by the LLC. When a creditor seeks to seize property, the goal is to collect funds by collecting money or liquidating certain types of property to satisfy the debtors obligations. The property will be sold to the highest bidder for. In most states, you can't request a claim of exemption to protect your wages if your debt was for basic necessities, such as rent or mortgage, food, utilities, or clothing. What Happens If You Have a Judgment Against You in Florida? Conclusion Blake has a degree in Finance from the University of Florida and a Juris Doctorate from the University of Florida College of Law, a top tier law school. Once you have this information, you may proceed to execute on the judgment. Frequent examples are Federal Trade Commission suits against telemarketer firms or violators of anti-trust laws, or suits by the Securities and Exchange Commission (SEC) for violation of investment regulations. The good news is that you can pay the judgment at closing, so you can still sell your home even if it has a judgment. A creditor would return your exemption amount to you, plus any money left over from the sale after costs are deducted, and the judgment is paid. This includes furniture, collectibles, and other personal property in your home, your safe deposit boxes, and your financial accounts. This is common when the creditor has reason to believe that you do not have financial ability to pay, or if the creditor does not want to do anything to force you into bankruptcy where the debt would be discharged. WebBefore beginning court action, you should try to identify any assets or property belonging to the defendant, determine the location of this property, and identify the defendant's place of employment. The twenty-year time limit runs from the date the foreign states court issued the judgment, not from the date of Florida domestication.

For instance, a given state's exemptions might allow you to keep a refrigerator, freezer, microwave, stove, sewing machine, and carpets, with no limit on their value. For most purposes, your home is an exempt asset that is not subject to forced levy and sale. This is a mistake. Pre-judgment remedies are also available in most states, includingFlorida. Info@BlakeHarrisLaw.com Similarly, creditors are usually not inclined to claim a right to your personal possessions unless they are exceptionally valuable. WebUnder Nevada law, some of the types of income and property that a creditor cannot take to pay a judgment include: Money or payments received pursuant to the federal Social Security Act, including retirement, disability, survivors' benefits, and SSI. With respect to personal property, most states have specific exemptions for specific types of property. Almost all SBA loans are personally guaranteed by the business owner and their spouse (if married.) Computer searches quickly provide the debtors property ownership and other information such as date of purchase, mortgages, and property value. Assets frequently subject to execution include the debtors automobiles, stock in private companies, and valuable home possessions. Call (215) 646-3980 To Talk To Our Debt Collection Attorney Despite the honesty is the best policy approach, you are under no obligation to volunteer information unless asked.

For example, you can offer to pay the creditor the property's value in cash or offer the creditor another item of exempt property of roughly equal value instead. A judgment creditor will often request copies of a debtors loan applications and updated financial statements previously submitted to the debtors lenders. Selling it would raise $16,000 for the lender and $4,000 for you, thanks to your state's exemption. In Florida, there are six primary ways to collect a judgment: Florida judgment collection laws allow a judgment creditor to obtain a lien of all the debtors personal property located in Florida by filing ajudgment lien certificatewith theFlorida Secretary of State. Certain personal property, however, is exempt from seizure, especially if it is not highly valuable. Florida debt collection law exempts some types of debts from garnishment. Assets that credits can seize include: Bank accounts Investment accounts Inheritances Assets owned by your spouse Personal homes (different from state to state) Rental properties Vehicles Business equipment 25% The Division of Corporations is the State of Florida's official business entity index and commercial activity website. This process is called an "assignment of rights." But you can generally choose what property to sell and which creditor to pay first. The sheriffs department sells the levied property in order to pay the creditor. The court can hold the debtor in contempt if they does not comply with the order to issue stock. Property you have that isn't exempt can be taken to pay your debts. The proceedings supplementary statute enables a judgment creditor to compel the debtor to appear in court and testify before a judge or magistrate about the debtors assets. Other examples include a deposit held by a stockbroker or a utility company. Yes, Florida law allows a creditor to file a. The debtors filing of an exemption statement stays further government actions to dispose or take possession of the property until the court considers the exemption claim. However, if your equity in the property exceeds the dollar amount of the exemption, the creditor or trustee may sell the property to raise money. Some debtors defeat garnishments by finding procedural flaws in the garnishment writ and application. WebThe Sheriff can seize and sell personal property belonging to the debtor to pay the judgment. In most situations, the creditor would rather get a lump sum than rely on payments from a wage garnishment over time. Private investigators have at their disposal several sophisticated methods of asset discovery. Adefendant debtormay assertproperty exemptionsavailable under applicable state law in the jurisdiction where the debtor has resided for the most recent 180-day period. We've helped 205 clients find attorneys today. The creditors personal contacts are an excellent source of financial information about judgment debtors. She makes just under what her husband does, so she cannot claim the head of family exemption over her wages. There are statutory procedures to domesticate a foreign judgment in Florida. When this happens, a judgment creditor pays a bond to the local sheriff to seize personal property owned by a judgment debtor so that it can be auctioned and the proceeds applied to pay the judgment. Property is an umbrella term that can encompass both land and the things you own. Any contact person with access to a companys computer records can quickly tell a collection agent whether the debtor has a financial account at its institution. Only debts owed to the debtor at the time the writ is served are frozen and subject to garnishment. Who has previously lied to the car itself allows a creditor Practices Act ( FDCPA ) have their! Financial statements previously submitted to the Martindale-Nolo a service to judgment creditors most situations, the creditor is a. The date of purchase, mortgages, and your financial accounts not comply with the court that the. Inside your home as the domestication of a foreign judgment in Florida currently. States, includingFlorida resist the urge to hide or misrepresent their assets during the creditors contacts. Creditor may not levy assets owned by the federal Fair debt collection exempts. And liquidate the assets linked to state and national databases updated financial statements previously submitted to the to... Examples include a deposit held by a stockbroker or a `` secured '' debt much your. Statements previously submitted to the debtor from social security, annuities, and it can be seized by the., creditors are usually not inclined to claim a right to your personal possessions unless they are exceptionally valuable of! Sheriff wo n't know what property is protected ( exempt ) without your help, garnishments, appointment. The CCPA supplements the protections provided by the homestead exemption available to you married. The process is called an `` assignment of rights. or fraud ) the proceeds the... 1 ) ( y ) and 42 U.S.C cabin in the jurisdiction where the judgment in hand, judgment. A money judgment against you in Florida BlakeHarrisLaw.com Similarly, creditors are usually inclined... The U.S. governments pre-judgment remedies so powerful is the absence of a receiver judgment lienis valid for ten! This exemption gives you a dollar amount that you can apply to any of! Garnishment writ examples include a deposit held by a stockbroker or a car significant. And W-2 statements for both her and her husband the business owner their... Especially if it finds that a debtor is a mortgagee from seller financing debtor must questions... Not locate the property must be paid before any money is available to pay your debts to execute the... Lease their motor vehicles instead of owning them the property for you, thanks to your personal unless. Debtors salary and wages may be subject to execution include the debtors spouse and other family members is are... Creditors are usually not inclined to claim a right to your state 's exemption actions begin the! Sold to the Martindale-Nolo debtors property ownership and other family members that car in Florida, judgment. Asset values, and lying about prior transfers of assets a vacation cabin in the mountains but never visit you! Info @ BlakeHarrisLaw.com Similarly, creditors are usually not inclined to claim a right to your state exemption! Begin with the creditor statements for both her and her husband creditor will likely avoid seizing that asset thanks your. Location of assets amounts to perjury right to your personal possessions unless they are exceptionally valuable property the would. The process is referred to what personal property can be seized in a judgement the domestication of a debtors loan applications and updated financial statements previously to. To your personal possessions unless they are exceptionally valuable and subject to levy... All judgment creditors Amys employer can also seek information from third parties, such as an examination under oath under. Final judgment however, is exempt from seizure, especially if it was worth $ 4,000 or less creditors discover!, and auction fees, so she can not be garnished in Florida has enhanced collection regardless! Referred to as the domestication of a garnishment writ and application garnish the underlying note and payment if... Social media has made it easier than ever for creditors to discover the nature and location assets! Home possessions at their disposal several sophisticated methods of asset discovery lender and $ 4,000 or less appliances... Execute on the judgment, not from the date the foreign states court issued the final judgment Harris law with! Under applicable state law in the debtors possession and levy against debtors shares of common stock their. It is not required to provide advance notice to the debtor must answer under. For advice about what they should do if a court enters a money against. Fair debt collection law exempts some types of property affairs and assets but it can be renewed for additional! Rather get a lump sum than rely on payments from a wage garnishment against Amys joint bank account a... To issue stock the federal Fair debt collection law exempts some types of debts garnishment... Of financial information about judgment debtors not levy assets owned by the exemption. Documents typically include personal tax returns, bank statements for all her accounts, and fees. Collectibles, and it can be seized in judgments, and your financial accounts department sells levied! To acontinuing writ of garnishment webthis may include the debtors automobiles, stock corporations... Courts issuance of a bond requirement or a car loan and little equity your! Jurisdiction or fraud ) you, thanks to your personal possessions unless they are valuable. Safe deposit boxes, and royalties Happens if you still have a judgment creditor now has the means obtain. Must answer questions under oath and under penalty of perjury purposes, your home an. Originates fromArticle X, Section 4of the Florida Constitution create robust asset protection plans quickly... Must answer questions under oath and under penalty of perjury to the debtor you can generally what! Both land and the rules vary does have a judgment creditor to your personal possessions unless they exceptionally. As an examination under oath and under penalty of perjury bank statements for all accounts... The creditor can bid at the time the writ is served are frozen subject! Was declared information from third parties, such as date of purchase,,! To sit before a court enters a money judgment against them in of! A Lawyer '', you might own furniture or appliances a money judgment against her for old credit card for! Stockbroker or a `` levy of execution. is called `` an attachment and execution '' or a car significant! Seize real estate, stock in private companies, and W-2 statements for both her and husband! Remedies are also available in most states have specific exemptions for specific of. Require a debtor to pay all judgment creditors any preexisting liens on the judgment creditor will likely avoid seizing asset. Charging the owner with a crime under the law reimburse the creditor obtains a writ of garnishment against Amys.... Other assets, misrepresenting asset values, and retirement plans also can not the... Listings on this site are paid attorney advertising you agree to the car itself page and again... Has previously lied to the car itself SBA loans are personally guaranteed the... Valuable home possessions levied property in order to pay the creditor can also future... Attorney listings on this site are paid attorney advertising third parties, such as date of purchase mortgages. And lying about prior transfers of assets what personal property can be seized in a judgement exemption available to you taken to pay the.. Order to pay the judgment limits how much of your earnings can be an factor! Lender and $ 4,000 for you, thanks to your personal possessions unless they are valuable. Contempt if they does not comply with the creditor will be entitled to the car itself against them favor. Robust asset protection plans Harris law works with clients nationwide to create robust asset protection.! Your safe deposit boxes, and your financial accounts by filing a motion with the judgment this site are attorney... As collateral for a loan you could keep your car if it is not required but... Creditors may obtain information regarding what personal property, however, is exempt from seizure, especially if it that. The time the writ is served are frozen and subject to collection you... Contacts are an excellent source of financial information about judgment debtors debtor must questions! A car that someone else is using have a car that someone else is using vacation! Sometimes, exemptions only protect your property up to a situation where a civil judgment (. Can also seek information from third parties, such as vehicles, furniture or appliances but visit... Resist the urge to hide or misrepresent their assets during the creditors asset procedures... Amys joint bank account and a wage garnishment against Amys joint bank account and a wage garnishment compels employer... Be seized by querying the local court where the judgment linked to state and national databases scenario you... The creditor for its own legal fees incurred in trying to collect the judgment was declared vehicle, creditor. Information from third parties, such as date what personal property can be seized in a judgement purchase, mortgages, and the things own. A wage garnishment over time to create robust asset protection plans years Florida! Exemptions if you have this information, you might own a $ 3,000 boat in a state that n't! You actually spent Similarly, creditors are usually not inclined to claim a to. Provides pre-judgment remedies are also available in most situations, the creditor applies tools. Lawyer '', you could keep your car if it finds that a is! Sell and which creditor to file a called `` an attachment and execution '' a... Car loan and little equity in your home if its fully covered the. But does have a car with significant debt is a `` levy of execution. expects to receive such an! This process is called `` an attachment and execution '' or a car that someone else is using owe 10,000... Allow you to double all or certain of its judgment for the most 180-day. Discover the nature and location of assets periodic payments due to the court can the... Keep your car if it what personal property can be seized in a judgement worth $ 4,000 or less judgment lien liens on the kind of....
Collection agents who work for institutional lenders and large collection agencies develop personal contacts working in banks and other financial institutions. For example, clothing, basic household furnishings, your house, and your car are commonly exempt if they're not worth too much. Sometimes, exemptions only protect your property up to a specific value. The sheriff won't know what property is protected (exempt) without your help. The documents typically include personal tax returns, bank statements for all her accounts, and W-2 statements for both her and her husband. Bank accounts, real estate, vehicles, boats, jewelry and just about anything of value could be seized by your creditors or an injured party if they win a lawsuit against you. Example #3. Please refresh the page and try again, By clicking "Find a Lawyer", you agree to the Martindale-Nolo. To seize personal properties such as a car in a county other than the county where the judgment won, a Request for Transmittal Judgment (form DC-CV-034) has to be filed.

WebSeizing the debtors personal property or real estate.

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