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In Oklahoma, a judgment creditor can attempt execution of a judgment for five years from the date of the judgment. This is known as the statute of limitations. After the statute of limitations has expired, it becomes unenforceable by the operation of law.
The unpaid lien will stay on your credit report for 10 years after it is filed. After paying it off, it may stay on your credit history for up to seven years.
The easy definition is that a judgment is an official decision rendered by the court with regard to a civil matter. A judgment lien, sometimes referred to as an abstract of judgment, is an involuntary lien that is filed to give constructive notice and is to attach to the Judgment Debtors property and/or assets.
A lien is extinguished by the mere lapse of the time within which, under the provisions of civil procedure, an action can be brought upon the principal obligation. The partial performance of an act secured by a lien does not extinguish the lien upon any part of the property subject thereto, even if it is divisible.
In Oklahoma, for most debts, a creditor is afforded five years to take legal action on a debt. After the statute of limitations has expired, a creditor or debt collector can no longer sue you for the debt.
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The statute of limitations on open-account debt, like credit cards, for Oklahoma is five (5) years.
How Do I Eliminate a Lien from My Property? Pay Off Your Debt. Your creditor will agree to remove the lien if you pay off your debt. Request The Court to Remove the Lien. Allow The Statute of Limitations to Expire. Confirm The Debt Is Valid. File for Chapter 7 Bankruptcy. Negotiate with Your Creditor.
Renew the judgment Money judgments automatically expire (run out) after 10 years. To prevent this from happening, the creditor must file a request for renewal of the judgment with the court BEFORE the 10 years run out.
In Oklahoma, a judgment creditor cannot take your home unless you do not pay the mortgage. Instead, a lien may be placed against your home. A creditor cannot force you to sell your home. Rental or vacation homes are not protected.
The most common method to enforce a judgment in Oklahoma is wage garnishment. When wage garnishment occurs, the creditor who has obtained the judgment against you will contact your employer. Then your employer will be legally required to deduct a portion of your wages each pay period and send the money to the creditor.

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