I get calls periodically from people who had filed for bankruptcy and got their discharge.   They are trying to refinance or sell, and a title search pulls up an old judgment lien recorded against their home.   The clients are confused, since that debt was listed on their bankruptcy petition.  What gives?

Creditors can record a judgment lien against assets owned by the debtor.  This is called perfecting their lien.   The lien will stay on the property...