Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
Bankruptcy only discharges unsecured debts. If a creditor has a security interest in an asset, that interest still remains on the asset.
So, even though the debt may be discharged in the bankruptcy, the judgment lien you have on that property will survive the bankruptcy. You cannot collect on the debt, but you can wait until the property is sold or refinanced to get your money.
If the debtor brought a motion to avoid the judgment lien during their case, they could strip the lien if it interferes with the homestead exemption. If the bankruptcy case is over, and the lien was not avoided, then the lien will survive.
Thanks for your question, good luck.
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