NJSBA Family Law Section

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  • 1.  enforcing a child support judgment against foreclosing bank

    Posted 01-26-2016 01:19 PM

    I represent an ex-wife, divorced long ago. 

     

    the ex-husband owns a commercial property (bought it from exhusband's own mother for a dollar long after divorce. wife has no involvement, did not sign note or mortgage).

     

    ex-wife got a child support judgment in 2006.

     

    exhusband refinanced in 2009, took all equity out of commercial property. he signed affidavit of nothing owed on the CS judgment.

     

    not true: balance was (still working on proving) about $12,000.00 on date of loan.

     

    CS arrears accumulated, now $17,000 in 2016. husband self employed, very resistant to paying arrears or current CS, no assets at all except the commercial property

     

    bank now foreclosing, named exwife as defendant, stating in complaint that CS judgment balance was zero at time of loan, seeking therefore to terminate her interest as judgment creditor.

     

    question: anyone fought a bank in similar circumstances? looking to do this as efficiently as possible for a client who can not afford much for this.

     

    thanks,

     

    Bob Davies

     

    Robert F. Davies, Esq.

    The Davies Law Firm, P.A.

    45 Essex Street, Suite 3 West

    Hackensack New Jersey 07601

    Phone: 201-820-3459

    Fax:     201-820-3461

    Email: [email protected]

    Website: AttorneyRobertDavies.com

     

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  • 2.  RE: enforcing a child support judgment against foreclosing bank

    Posted 01-26-2016 01:52 PM
    If the commercial property was in his name and the judgment had been docketed, it would have shown up on the title search when the refi was done. Something in your facts seems off.

    Robert E. Goldstein, Esq.
    Drescher & Cheslow, P.A.
    (732) 972-1600
    [email protected]

    Visit my website: www.mydivorcelawyernj.com




  • 3.  RE: enforcing a child support judgment against foreclosing bank

    Posted 01-26-2016 02:18 PM

    he swore off on an Affidavit of Title that the balance was zero.

    the Bank apparently accepted that without contacting the creditor (exwife) to confirm.

     

    Please send me an email to confirm that you received this email and that you can read it.  Thank you!

     

    Sent on behalf of:

    Robert F. Davies, Esq.

    The Davies Law Firm, P.A.

    45 Essex Street, Suite 3 West

    Hackensack New Jersey 07601

    Phone: 201-820-3459

    Fax:     201-820-3461

    Email: [email protected]

    Website: AttorneyRobertDavies.com

     

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  • 4.  RE: enforcing a child support judgment against foreclosing bank

    Posted 01-26-2016 03:15 PM

    Have you contacted the title company insuring the bank loan?  I believe that they should have done a judgment/child support search even back in 2006.  The title co may be on the hook for this.

     

    Nancy D. Gold, Esquire

    1300 Route 73, Suite 211

    Mount Laurel, NJ 08054

    Phone: (856) 505-1700, ext. 207

    Fax: (856) 505-1710

     

     

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  • 5.  RE: enforcing a child support judgment against foreclosing bank

    Posted 01-27-2016 11:50 AM
    It seems pretty straightforward to me -- issue of priority of liens, I think. If you're saying:

    - CS arrears (judgment by operation of law) accured in amount of $12,000
    - Bank gives HELOC loan
    - Bank is now foreclosing

    If it wasn't a purchase-money loan, then I think she gets paid out of whatever the bank gets. Or at least I'd hope so - I don't know the statute or case on it. I would hope a good "lawyer letter" could handle it; if not, then a cross claim (rather than an answer?) in the foreclosure suit.

    Caveat: Did she have to record her judgment as a lien on the property to make it effective?



    <x-sigsep></x-sigsep>

    - Dave

    David Perry Davis, Esq.
    ----------------------------------------------------
       www.FamilyLawNJ.pro
    ----------------------------------------------------
    112 West Franklin Avenue
    Pennington, NJ 08534
    Voice: 609-737-2222
    Fax:    609-737-3222






  • 6.  RE: enforcing a child support judgment against foreclosing bank

    Posted 01-27-2016 12:09 PM

    In NJ, court ordered or FJ child support is reduced to judgment status as soon as it is accrued, by operation of law.  Can't give you a statutory cite, but it's been that way for at least 10 years.

    Hanan







  • 7.  RE: enforcing a child support judgment against foreclosing bank

    Posted 01-27-2016 12:13 PM

    Here's the phrase from the Notice I include in my child support orders: 

    (c) Any payment or installment for child support is a judgment by operation of law on or after the date it is due (N.J.S.A. 2A:17-56.23a).  The judgment has the effect of a lien against the obligor's real or personal property.  This may adversely affect the obligor's ability to obtain credit or transfer real estate.

     

     

    Lisa M. Radell, Esq.

    207 South Main Street

    Cape May Court House, NJ 08210

    Tel (609) 465-9910

    Fax (609) 465-9920

     






  • 8.  RE: enforcing a child support judgment against foreclosing bank

    Posted 01-27-2016 12:27 PM

    Hanan is right-see NJSA 2A:17-56.23b.

     






  • 9.  RE: enforcing a child support judgment against foreclosing bank

    Posted 01-27-2016 12:37 PM

    N.J.S.A. 2A:17-56.23a. It is mentioned in Rule 5:7-5(d).

     

    Robert E. Goldstein, Esq.
    Drescher & Cheslow, P.A.

    610 Bridge Plaza Drive

    Manalapan, NJ 07726

    (732) 972-1600
    Fax (732) 972-0038
    E-mail: [email protected]
    Member, Middlesex County Bar Association, New Jersey Association for Justice and New Jersey State Bar Association

         

     

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