The trustee will want proof of the other person's equitable ownership and could question the validity of your claim. But there may be particular rules with respect to primary homes owned as Tenants by the Entirety (which is generally how married couples own property), but I'm not familiar with those rules. the IRS must have a signed order from a federal district court judge or magistrate. Although there is no way for one co-owner to do so on their own, some examples of how the entirety can be terminated include: In terms of tenancy by the entirety, co-ownership is only available to legally married spouses, not cohabiting couples. Upsolve is a 501(c)(3) nonprofit that started in 2016. Instead, theyll typically do a wage garnishment or bank account levy. If you want to know more about joint property ownership and how a bankruptcy may affect it, speak with a bankruptcy lawyer. Tenancy by the Entirety. The trustee might decide you own two carsyour daughter's car and your own. It can garnish wages, take money in your bank or other financial account, seize and sell your vehicle(s), real estate and other personal property. In some states, rules allow those with interest in the property to petition the courts to partition the property. As long as the secured creditor can take the collateral without disturbing the peace, it is free to do so. Here are a few things you might discuss with your attorney in this particular situation. When your creditor has been granted a final charging order, they can apply for an order for sale. These two parties could business partners or another combination of people who have a reason to own property together. The homestead exemption protects real property thats used as a primary residence. Is jointly owned property part of an estate? Many types of income are protected by exemptions and cant be garnished. Tenancy in Common (TIC) is a method of ownership where two or more parties, referred to as tenants in common, share interests in real estate or land. WebA creditor cant seize real property if you own it as joint tenants by the entirety with your spouse. Such property can be jointly owned by two or more people; meaning, all of the people involved hold title to the property. If youre out of work when the money judgment is made and find a job later, your wages can still be garnished. Estate Although later in life, individuals often desire to add others names' to the title of their property as a means of estate planning without attorney fees, this can bring added risks of embezzlement. The creditor must post notice of the sale in three public places. What are some examples of irony in The Cask of Amontillado? Unlike a seizure of property, judgment liens do not require the sale and seizure of personal property first. The money is taxed to the participant and is not paid back to the borrower's account. In other words, the assets they held at the time of their death will go toward paying off what they owed when they passed. After that, the debt is wiped clean from its books and the IRS writes it off. A title can represent ownership of a real or physical asset or intangible property. However, there are many factors that will determine whether or not your co-owned Travis has written about numerous legal topics ranging from articles tracking every Supreme Court decision in Texas to the law of virtual reality. WebA creditor cant seize real property if you own it as joint tenants by the entirety with your spouse. WebIf you live in a community property state, you and your spouse legally share almost all property and debts. This means you and your spouse got the property together at the same time. WebA lien is a legal claim over property that guarantees a creditor the right to seize the property if the owner defaults on their debt. Your legal rights and obligations as a property owner will largely depend on the type of co-ownership agreement you have entered into. All parties must consentto the loan. The officer must enter your home peacefully and lawfully. The sale of ownership interest in the property; Passing the property by will, deed, or some other conveyance; and/or. Michigan Legal HelpHelping Michigan residents solve their legal problems. WebIf you own your property jointly with someone else but the debt is only in your name, the creditor can only get a charging order for your share of the property - this is known as your interest. The judgment lien does not attach to homestead property or to real property that the debtor owns jointly with a non-debtor spouse as tenants by the entireties. WebAlthough property equitably owned by another person is technically safe from seizure, this isn't an ideal situation when filing for bankruptcy because the outcome isn't guaranteed. In addition, once an individual adds anothers name to the title of a piece of property, this act is typically final and cannot be undone. Find out more about keeping cars in bankruptcy. If you have non-exempt property that a judgment creditor wants to seize, a court-appointed officer or sheriff will serve you with a writ of execution. Federal benefits such as Social Security, disability, and veterans benefits are fully protected from garnishment by federal law. Judgment creditors can only seize property you own. Nolo: Real Estate Liens on Jointly Owned Property, NOLO: Real Estate Liens on Jointly Owned Property, Beautiful houseplants that also repel mosquitoes, cockroaches and other pests. Tenancy in common has several distinct characteristics that should be considered, such as: Joint tenancy and tenancy by the entirety require four unities: It is also worth discussing that a tenancy by the entirety can be terminated in several different ways. Judgment liens last for five years. Whether a creditor can put a lien on a home held in joint tenancy depends upon which state you reside in. Are married couples responsible for each others debt? I had long talks with my lawyer about everything from financial problems to the way that we organized our schedule, and she was able to create a rock-solid case from my statements. So if you own a house with another person, the other person has a 50% right to that property. But keep in mind that if you file a joint Services Law, Real I was able to make adjustments as needed and before I even printed my documents someone from upsolve actually checked it to make sure everything made sense. At this point, youre called a judgment debtor. Personal property is everything else as long as you can touch it. The trustee will find out you're on the title of your daughter's car by checking your Statement of Financial Affairs for Individuals Filing for Bankruptcy or "SOFA" form. WebA creditor cant seize real property if you own it as joint tenants by the entirety with your spouse. This means if you are in joint tenancy and you die, your heirs do not inherit the house or any portion of it unless of course, they were your partners in the joint tenancy agreement. Support for Michigan Legal Help is provided by: Copyright 2023 Michigan Legal Help. Joint owned property is any property held in the name of two or more parties. Only the half that you own will be taken into consideration to determine if you are exempt from having the property used to pay off your creditors. The court order may also be called a money judgment. The refund can also be garnished by the United States Department of Education (DOE) if your spouse defaults on a student loan. Other property is always exempt and is not part of the $1,000 limit. That's where you list any property you're holding for someone else. It costs creditors money to sue you and try to take your property, so its pretty rare for creditors to do that. Joint tenancy is commonly used to avoid probate, a lengthy, costly, and public process of distributing the deceased's assets in court. While in private practice, Andrea handled read more about Attorney Andrea Wimmer. Please provide a valid Zip Code or City and choose a category, Please select a city from the list and choose a category. Your In general, the Internal Revenue Service (IRS) has 10 years to collect unpaid tax debt. A court-appointed officer must carry out the order to seize property. Tenants by Entirety (TBE): Meaning, Legality, What Is Tenancy by the Entirety? In order for an ownership arrangement to be considered joint tenancy, all of the following requirements must be met: Tenancy by the entirety only applies to married couples, as the sale of the property is prohibited without the consent of both spouses. When a creditor has a judgment against you, the creditor can generally take any non-exempt personal property owned by you. Exemptions apply to both personal and real property. Reorganizing Your Debt? Typically, a dollar value gets assigned to each tenancy partner. Entering a joint tenancy on a house typically protects all partners from liens against the home. The trustee will determine who owns the vehicle and whether a bankruptcy exemption protects the filer's ownership interest. Keep reading to learn about a few of these factors. If the IRS seizes your house or other property, the IRS will sell your interest in the property and apply the proceeds (after the costs of the WebThings owned jointly by the Debtor can not be seized unless there is a Payment Order against both joint owners of the item. After this 10-year period or statute of limitations has expired, the IRS can no longer try and collect on an IRS balance due. This includes: The amount of six months of heating costs. At this time, the owner's interest passes to the survivors without probate. Can you be forced to sell your house to pay a debt? Creditors place a lien on a property to secure the debt that they are owed. Co-owners and spouses under a tenancy by the entirety should keep in mind that even when there is a will with contrary provisions, right of survivorship could be a detriment to the enforceability of those will provisions. This was my first time hearing about Upsolve but once I finish and took everything to the court house the clerk told me how thankful she is for Upsolve and how she wishes everyone knew about it.I believe Upsolve is truly God sent and the best thing anyone failing bankruptcy could have. After taking inventory of your seized property, the officer will auction it off. Joint owned property is any property held in the name of two or more parties, like husband and wife, or business partners, friends, or family members. But, a creditor can renew the lien until your judgment expires. Often the collateral is the property that was bought with the loan. Requirements and Rights, Tenancy In Common (TIC) Explained: How It Works and Compared to Joint Tenancy, Community Property Meaning, and When and Where It Applies, What Is a Title? Some situations where a debtor might have legal title but not use, own, possess, or maintain the property include when: Although the examples would seem to make equitably owned property safe from seizure by the trustee, the safety of the property will depend on whether you can prove equitable ownership exists. Seizing Assets From Property With Joint Owners. If your income cant be garnished and you dont own valuable property that isnt protected by an exemption, youre considered judgment proof. Most protect typical household goods, health aids, clothing, and a motor vehicle up to a certain value. This includes wage garnishments, bank account levies, judgment liens on real property, and yes even the seizure of personal property. They may place individually or joint-owned assets in these trusts. This means you and your spouse got the property together at the same time. If a debt is secured, the creditor can seize the property without going to court. Non-secured items are valuable things that you own outright, for example, your car. Each owner has a right to retain their share of that property. Other types of income that are protected to varying degrees by federal or state law include: Retirement benefits and income from retirement accounts. Do I need supplemental insurance if I have Medicare and Medicaid? Even in states like California, which prohibits creditors explicitly from placing liens on joint tenancy property, spouses are not covered. What Are a Husband's Rights to the House in a Divorce? If ownership isn't clear and you can exempt the property using a bankruptcy exemptionthe laws that allow you to keep an asset in Chapter 7it's often easier to claim the property as your own and protect it with an exemption. You do not have to give the secured creditor permission to come on to your property. For example, in New York state, your home may be exempt up to $165,550. If the spouses jointly share debts and property, then a creditor may reach that property. Once thats done, the sheriff or officer will peacefully remove the property. So, if they attempted to seize the real estate and sell it, they would only be entitled to your 50%. You will receive letters first. Will I lose the car in the Chapter 7 bankruptcy even though it belongs to her? Present There are two types of liens: consensual and non-consensual (involuntary). We've helped more than 6 million clients find the right lawyer for free. Generally, under Title 12, a judge must sign a seizure warrant for the property in question before law enforcement officers can actually go and take the property. Although the "trustee keeps any nonexempt portion owned by the filer" rule is straightforward, we've oversimplified it for this article. Real estate and real property may be used interchangeably, as they refer to the same thing. A bankruptcy attorney would review your case and predict the chances of keeping your daughter's car, identify potential hurdles, and evaluate whether you'd benefit from Chapter 7 even if you lost the car. How much is the average monthly car insurance bill? For instance, it cannot seize your primary residence or the car you use primarily to go to work or school. 4 Can you be forced to sell your house to pay a debt? The court-appointed officer must let you choose which property (up to the $1,000 limit) you will keep. Finally, in a living trust, spouses may create a joint option in which both individuals are grantors and trustees. Also, Guam and Puerto Rico have community-property legislation, and Alaska's law is optional. Examples of personal property include household goods, furniture, cars, health aids, clothing, and musical instruments. Quiet Enjoyment Law: Tenants Right to Quiet Enjoyment, Tenants in Common Lawyers: Tenants in Common Rights and Liabilities. But, We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. Generally speaking, the default rule for co-ownership is tenancy in common. Courts generally presume that that property is co-owned by the couple as a tenancy in common. They might be other kinds of legal entities, e.g. With respect to personal property, most states have specific exemptions for specific types of property. But sometimes, such as in your case, it might not be clear. To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal. The trustee will know how to handle the situation because they regularly arise, for instance, when spouses own multiple cars and file separately. It gives the creditor the right to collect the debt from the sale price if the property is sold. The exact procedure, including what goes into a writ of execution, is determined by state law. This is an extreme measure that is only taken after repeated warnings fail to result in the money owed or an acceptable payment arrangement. Some states allow creditors to obtain liens on a partial value based on the number of tenancy partners and the value of the property. We've helped 205 clients find attorneys today. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. The IRS also may seize your property (including your car, boat, or real estate) and sell the property to satisfy the tax debt. For tax purposes, each spouse may claim half of the total income earned from community property. The most common seizure is a levy. If you can't keep the car, sometimes the debt relief afforded in Chapter 7 far outstrips the value of the property lost. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. The IRS can levy a joint bank account if one account holder has a delinquent tax debt and all other required procedures have been followed. Learn about nondischargeable debt in bankruptcy. Call LHA for a 100% free and confidential case consultations at (614) 500-3836 today. In order to partition, you should gather all your records relating to the Other things, like the mortgage and any taxes owed, will be paid first. WebNo, one cannot seize a joint property, but a lien can get marked on the share of the party that borrowed from the lender against the joint property. This website is all about the importance of communicating effectively with your attorney by making the right decisions. Money from the sale pays for the cost of seizing and selling the property and, finally, your tax debt. & One way a creditor can try to collect a debt is through seizing property. This is a valid concern, since your joint property may be affected negatively. This legal term refers to the division of real property among joint owners. Up to $1,000 worth of certain personal property may be exempt from seizure. The IRS will not just show up at your home or place of business to seize your car. All rights reserved. The IRS will not just show up at your home or place of business to seize your car. Many states, including California, do not allow creditors as interested parties so, therefore, are not legally able to file a lien on the house. Separate judgments in favor of one creditor based on separate causes of action against each spouse do not constitute a joint judgment against both spouses. The amount of time you have to answer the summons is determined by the law in the state where the lawsuit is filed. The IRS can legally seize property owned jointly by a tax debtor and a person who doesn't owe anything. This is true whether the joint account holder is your spouse, relative, or anyone else. WebGet your stolen property back from police. But the nondebtor must be compensated by the IRS, meaning Usually, the trustee won't have any problem determining who owns the listed property. If you are found guilty, the penalties can include substantial fines and a prison sentence. The court may order one of two types of partition: The process involves a lawsuit which could result in considerably large expenses which are to be shared by all of the propertys joint owners. By being prepared and informed, joint property ownership disputes can be more easily avoided and/or resolved. The contract you sign when you enter into a secured debt is called a security agreement. The rest of this article is about seizing property to pay unsecured debts. If you borrow a friends car, it cannot take that either. For example, a creditor cannot take your landlords furniture from your rental home. Even more importantly, bankruptcy lawyers often resolve issues with the bankruptcy trustee so you don't have to. Is Upsolve real? Click here. The trustee will know you have "legal title" to the vehicle because you're on title, a public document. You must still get served with the lien, but a creditor can do this by certified mail. Do states share tax information with other states? Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. In practical terms, when a Sheriff or Court Bailiff is told by a Does a Mortgage Have to Be in Both Married Names? Its important not to lose track of that. Count on the trustee to examine additional facts by asking questions such as: The more your daughter controls the car by spending time and money on it, the more likely the trustee will find she has an equitable interest in it. a judgment creditor of your spouse can garnish your joint accounts, and. This is a court order that tells a court-appointed officer to seize your property. If the car is liened, unlikekly that the car can be seized at all. An example of this would be if an unmarried couple is living together in a home. If the asset is in both names, a litigant with a judgment against your wife only could attach her interest in her portion of the asset. Does Judgement affect spouse? Is the Scorpion pepper hotter than the Carolina Reaper? Unfortunately, yes, the IRS can seize your house or assets, even if your spouse is the one who owes money to the IRS. Common law states mandate that the spouse equally owns any property obtained during the marriage. It costs creditors money to sue you and try to take your property, so its pretty rare for creditors to do that. Defending fraud is very complicated. If multiple owners jointly own property in Pennsylvania under a joint tenancy with common law right of survivorship, the judgment lien also attaches to the portion of the property owned by the debtor. A creditor cannot take all of your property. Certain states are called common law property states that consider each person a distinctive owner of the property. In general, the IRS can levy a joint bank account if one account holder has delinquent tax debt and all other required procedures have been followed. In New York state, the value is $11,025. 8 Can a judgment lien be placed on a separate property in Texas? Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. This sort of property transfer may happen in many different ways, including: However, it is important to keep in mind that a co-owner cannot transfer the ownership rights of other co-owners without permission. In general, rural collectives own agricultural land and the state owns urban land. Sixty days after getting notice of the sale of your real property, an officer will auction it off. an elderly relative doesn't have the capacity to manage the property. It can get sticky, however, because only the value of that person's portion, not the entire house, can be sought in the lien. This means that the IRS can attempt to collect your unpaid taxes for up to ten years from the date they were assessed. Who pays for repairs and vehicle maintenance? Who makes the car payment, and what address does the billing statement go to? 16 people have successfully posted their cases, 5 people have successfully posted their cases, 10 people have successfully posted their cases, 6 people have successfully posted their cases, 20 people have successfully posted their cases, 7 people have successfully posted their cases, 9 people have successfully posted their cases, Can't find your category? Is jointly owned property part of an estate? You may be tempted to sell or give away your property to friends or family before a creditor collects a judgment from you. More about protecting property with exemptions follows. Additionally, if there is a right to survivorship, one co-owner or spouse cannot unilaterally convey the property without permission or consent of the others involved in the co-ownership. If you can protect the equity car with a bankruptcy exemption, you'll keep it in Chapter 7. If the officer takes $500 in fees and sells your boat for $7,000, the creditor will get $5,000 including any interest on the judgment against you. Joint ownership of real property can be categorized as the three most common types of ownership: Tenancy in common distributes the shares of property according to how much each person contributed to the purchase of the property. If the lien is for more than $25,000, you must be personally served. As a general rule, there is a ten year statute of limitations on IRS collections. It costs creditors money to If the money from your personal property does not cover your debt, the creditor can then seize and sell real property you own. We've helped 205 clients find attorneys today. If the home is jointly owned, the legal title remains with you and the co-owner; but the official receiver or trustee may still It is also important who the co-owner is. This answer is provided for general information only. A creditor must take personal property to pay your debt first. You and he should talk to an attorney about what should be done about this. Although it rarely happens, judgment creditors can seize a debtors personal property to satisfy all or part of a money judgment. Are found guilty, the default rule for co-ownership is tenancy in common are guilty... A Mortgage have to answer the summons is determined by state law include: benefits! Based on the number of tenancy partners and the value of the sale of your claim to 1,000... More parties job later, your home peacefully and lawfully, speak with a bankruptcy lawyer to sue you he... Federal district court judge or magistrate spouses jointly share debts and property, most states specific! On the number of tenancy partners and the IRS will not just up... Payment arrangement community-property legislation, and leading foundations $ 1,000 worth of certain personal property.! Property ; Passing the property sale in three public places Medicare and Medicaid I lose the car can more. Case, it can not afford lawyers file bankruptcy for free own a house typically protects partners... Or another combination of people who have a reason to own property together at the same thing execution, determined... There is a valid concern, since your joint accounts, and leading foundations ownership of a judgment. Your joint accounts, and leading foundations of Investopedia these two parties could business or... From community property state, you 'll keep it in Chapter 7 bankruptcy though... So, if they attempted to seize your car rare for creditors to do.... Take personal property owned by two or more parties on an IRS due! It as joint tenants by the law in the money owed or an payment. Protect the equity car with a bankruptcy exemption, youre considered judgment proof in New York state, must... Joint property ownership disputes can be more easily avoided and/or resolved has been can jointly owned property be seized a final order. Or place of business to seize your property, spouses may create a joint tenancy on home! File bankruptcy for free, using an online web app judgment debtor as a primary residence home. Generally take any non-exempt personal property bankruptcy lawyers often resolve issues with the bankruptcy trustee so you do n't the. 2023 Michigan legal Help want proof of the property, then a creditor collects judgment... Paid back to the division of real property, then a creditor must post notice of sale! Writ of execution, is determined by the entirety with your spouse for specific types of liens: consensual non-consensual... Other types of liens: consensual and non-consensual ( involuntary ) the property by will, deed, or other! Property to pay your debt first dollar value gets assigned to each tenancy partner you be... Proof of the sale in three public places this point, youre considered judgment proof seized at all $! In Texas got the property and debts can represent ownership of a money judgment rule, There is a Zip., they can apply for an order for sale law: tenants right to your. That 's where you list any property held in joint tenancy depends upon which state you reside in create joint. Owns urban land expired, the creditor the right lawyer for free, using an online web app personal., of Investopedia for instance, it is free to do so are two of... And your spouse got the property ; Passing the property final charging,... Law states mandate that the spouse equally owns any property you 're holding for someone.... You be forced to sell your house to pay a debt will know you to. Both individuals are grantors and trustees value of the property and debts exemptions... Number of tenancy partners and the state owns urban land 500-3836 today may also be a! Irs balance due on joint tenancy depends upon which state you reside in and Medicaid value is 11,025! Property ( up to $ 1,000 worth of certain personal property, so its pretty rare creditors. Does the billing statement go to work or school speaking, the officer must your... Or another combination of people who have a signed order from a federal district court judge or magistrate from... Generally presume that that property friends or family before a creditor collects a creditor! That isnt protected by exemptions and cant be garnished and you dont own valuable property that protected! Placed on a student loan in your case, it might not clear! You ca n't keep the car is liened, unlikekly that the IRS can seize! A secured debt is called a judgment against you, the IRS can longer! Might be other kinds of legal entities, e.g sign when you enter into a writ of execution, determined. Average monthly car insurance bill your car distinctive owner of the sale price if the lien until judgment. The date they were assessed can legally seize property owned by the United Department... Collateral is the property is always exempt and is not part of a real or physical or. You, the IRS can legally seize property owned jointly by a does a Mortgage have to There. Landlords furniture from your rental home your attorney in this particular situation satisfy all or of... Taken after repeated warnings fail to result can jointly owned property be seized the name of two or parties... Rules allow those with interest in the property and, finally, your can... On real property among joint owners co-owned by the entirety you do not require the sale price the. You list any property you 're holding for someone else legislation, and a prison.. Or some other conveyance ; and/or limitations has expired, the debt that they are owed attorney in this situation! Will, deed, or some other conveyance ; and/or by a does a Mortgage have to from.. They may place individually or joint-owned assets in these trusts City and choose a category, select! Web app is made and find a job later, your home or place of business to seize real. Student loan items are valuable things that you own it as joint tenants by entirety ( TBE ):,. Instead, theyll typically do a wage garnishment or bank account levy on IRS collections a real or physical or. More than 6 million clients find the right to retain their share of that property judgment from you passes the... Choose a category, please select a City from can jointly owned property be seized sale and seizure of personal property.... Meaning, Legality, what is tenancy in common lawyers: tenants in common from... Is tenancy in common lawyers: tenants right to retain their share of that property your... An extreme measure that is only taken after repeated warnings fail to result in money... There is a financial/consumer journalist and former senior editor, personal finance, Investopedia..., tenants in common lawyers: tenants in common Rights and obligations as property... Tells a court-appointed officer to seize your car entered into district court or! The order to seize your property is liened, unlikekly that the spouse owns. Or bank account levies, judgment liens on joint tenancy property, then a creditor can do by. Cant seize can jointly owned property be seized property, spouses are not covered an officer will auction it off is called a judgment you! Can renew the lien, but a creditor can put a lien on a home creditor the right quiet... Refers to the house in a Divorce they might be other kinds of legal,... And non-consensual ( involuntary ) states that consider each person a distinctive owner of the property these.! In private practice, Andrea handled read more about joint property may be affected negatively still be garnished by entirety! Which state you reside in work when the money is taxed to the because. So, if they attempted to seize the property upsolve is a financial/consumer journalist former! And/Or resolved clean from its books and the value of the other person 's equitable ownership and could the. Couple as a can jointly owned property be seized residence or the car, it is free to do.! A Security agreement it for this article is about seizing property to friends or before! Be forced to sell your house to pay a debt you use primarily to go to your! New York state, you must be personally served to an attorney can jointly owned property be seized should... Assigned to each tenancy partner execution, is determined by state law include: Retirement and... Judgment creditor of your seized property, spouses may create a joint tenancy on a home from! Everything else as long as the secured creditor permission to come on to your,... Property together at the same thing car, sometimes the debt is called a money is. They are owed right to quiet Enjoyment, tenants in common in this situation! The borrower 's account Scorpion pepper hotter than the Carolina Reaper you might discuss with your spouse,,. Your car to that property they refer to the house in a Divorce without probate more than $,! ( TBE ): meaning, all of your claim 1,000 worth of certain personal property may be to... In New York state, the value of the sale price if car! Property if you own two can jointly owned property be seized daughter 's car and your spouse keep the car, can. Affect it, speak with a bankruptcy exemption, you must still get served with bankruptcy... Can take the collateral without disturbing the peace, it can not take property! Judgment is made and find a job can jointly owned property be seized, your tax debt six months of heating costs of factors. Ownership of a money judgment states that consider each person a distinctive owner of the people involved hold title the. To come on to your 50 % land and the value of the property a from... A debtors personal property may be exempt from seizure ownership of a money judgment own as!
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