NYC Debt Defense & fALSE ADVERTISING Attorney

What Happens to Judgment Enforcement upon Death?

Statutes relating to the enforcement of money judgments require careful reading and analysis.

The below fairly summarizes CPLR § 5208 [Enforcement after death of judgment debtor; leave of court; extension of lien].

In New York, the death of a judgment debtor triggers surrogate jurisdiction over the debtor's assets unless:

  1. An execution has already been issued on a properly docketed judgment lien against real property or
  2. A "levy" to take personal property is already in process.

Following death, any judgment-related activity falling short of the above will be stayed until a personal representative is appointed over the debtor's estate. If no such representative is sought within 18 months, the judgment creditor may seek permission from the underlying court to take further steps to enforce the judgment.

But a judgment lien already existing against the decedent's real property will remain a judgment until the later of 1) two years after death or 2) ten years after the filing of the judgment roll.

What happens to judgment enforcement after death

Stated another way:

  • After someone dies, their debts cannot be collected from their property or money owed to them without permission from the court that is handling their estate (the money and property they left behind).
  • If the court hasn't granted permission within 18 months after the person's death, the creditor (the person or company owed money) can ask another court for permission to collect the debt.
  • Any claim on the property of the person who died (judgment lien) will end either two years after they die or ten years after the court officially recorded the debt, whichever is later.
  • These rules can be different if another law says so.

The policy behind this statute is to protect the debtor's estate, protect other creditors by investigating lien priority (for example, funeral expenses and tax debt are higher priority liens), and ensure fair play.

Three Main Takeaways of CPLR § 5208:

  1. Court Permission is Essential: After a debtor's death, the court overseeing the estate must authorize any debt collection efforts. If no personal representative is appointed within 18 months, the creditor can seek permission from another court.
  2. Respect for Lien Priorities: The statute aims to protect the debtor's estate and other creditors by investigating lien priorities, ensuring that higher-priority debts like funeral expenses and tax debts are addressed first.
  3. Seek Professional Help: If you are dealing with frozen bank accounts or wage garnishments, it is crucial to seek professional legal assistance. Submit our intake form for personalized help.

The Langel Firm-Intake Form

Submit our intake form if you need legal assistance. We mainly represent consumers suffering from frozen bank accounts and wage garnishments.