{"data":{"id":"us-ky/krs-426.720","jurisdiction":"us-ky","citation":"KRS 426.720","heading":"Final judgment to act as lien on realty -- Judgment creditor's notice","body":"requirements -- Methods of service -- Expiration of judgment lien.\n(1) A final judgment for the recovery of money or costs in the courts of record in this\nCommonwealth, whether state or federal, shall act as a lien upon all real estate in\nwhich the judgment debtor has any ownership interest, in any county in which the\nfollowing first shall be done:\n(a) The judgment creditor, or the judgment creditor's counsel, shall file wit h the\ncounty clerk of any county a notice of judgment lien containing:\n1. The court of record entering the final judgment;\n2. The civil action number of the suit in which the final judgment was\nentered;\n3. The date the final judgment was entered by the court of record; and\n4. The amount of the final judgment, including principal, interest rate,\ncourt costs, and any attorney fees;\n(b) The judgment creditor, or the judgment creditor's counsel, shall send to the\nlast known address of the judgment debtor or the  judgment debtor's attorney\nof record, by regular first class mail, postage prepaid, or shall deliver to the\njudgment debtor personally, a copy of the notice of judgment lien, which\nnotice shall include:\n1. The text of KRS 427.060; and\n2. The following notice, or language substantially similar:\n\"Notice to Judgment Debtor. You may be entitled to an exemption under\nKRS 427.060, reprinted below. If you believe you are entitled to assert\nan exemption, seek legal advice.\"; and\n(c) The judgment creditor, or the judgment creditor's counsel, shall certify on the\nnotice of judgment lien that a copy thereof has been mailed to the judgment\ndebtor in compliance with paragraph (b) of this subsection.\n(2) Except as provided in subsection (3) of this sect ion, a judgment lien created under\nthis section:\n(a) Before June 29, 2023, shall expire upon the earlier of:\n1. The expiration of the limitations period for the underlying final\njudgment under KRS 413.090; or\n2. Ten (10) years after June 29, 2023; and\n(b) On or after June 29, 2023, shall expire ten (10) years after the date the final\njudgment was entered by the court of record.\n(3) The expiration of a judgment lien under subsection (2) of this section shall be\npostponed only if:\n(a) 1. At any time prior to the date of expiration:\na. A proceeding is filed in a court of record in this Commonwealth,\nwhether state or federal, to enforce the judgment lien; and\nb. The judgment creditor, or the judgment creditor's counsel, files a\nnotice of the judgment lien enforc ement proceeding in the county\nwhere the notice of judgment lien is lodged for record. The notice\nrequired under this subparagraph shall contain the following\ninformation:\ni. The court of record in which the proceeding was filed;\nii. The type of proceeding filed;\niii. The case number of the proceeding;\niv. The date the proceeding was filed; and\nv. A certification by the person filing the notice that he or she\nwill comply with subparagraph 3. of this paragraph.\n2. A judgment lien whose expiration has been po stponed under this\nparagraph shall expire on the following date:\na. The date a final judgment is entered in the proceeding to enforce\nthe judgment lien; or\nb. The date the proceeding to enforce the judgment lien is dismissed.\n3. Within ten (10) days of the  date of expiration under subparagraph 2. of\nthis paragraph, the judgment creditor, or the judgment creditor's counsel,\nshall file a notice in the county where the notice of judgment lien is\nlodged for record. The notice shall contain:\na. The information a bout the judgment lien enforcement proceeding\ncontained in the notice filed under subparagraph 1. of this\nparagraph; and\nb. The judgment lien expiration date, as determined under\nsubparagraph 2. of this paragraph; or\n(b) 1. Not less than one hundred twenty  (120) days prior to the date of\nexpiration:\na. A notice of judgment lien renewal is filed by the judgment creditor\nor the judgment creditor's counsel in the county where the notice\nof judgment lien is lodged for record. The notice of renewal of the\njudgment lien shall contain:\ni. All of the information required under subsection (1)(a) of\nthis section; and\nii. The amount of the judgment lien that remains unsatisfied;\nand\nb. The judgment creditor or the judgment creditor's counsel sends a\ncopy of the notice of the judgment lien renewal filed under this\nparagraph to the last known address of  the judgment debtor or the\njudgment debtor's attorney of record, by regular first class mail,\npostage prepaid, or by personal delivery to the judgment debtor.\n2. A judgment lien may be extended one (1) time in the manner provided\nunder this paragraph for a period not to exceed five (5) years from the\ndate of the expiration established under subsection (2) of this section.\n(4) A county clerk shall enter the notices filed under this section in the lis pendens\nrecords of the clerk's office and shall so note t he entry upon the original of the\nnotices.\n(5) In any action involving real property which is subject to a judgment lien, service\nmay be had upon the judgment creditor by serving the judgment creditor or the\njudgment creditor's counsel as shown in the notice of judgment lien.","path":["KRS Chapter 426"],"source_url":"https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=54153","current_through":"Includes enactments through the 2026 Regular Session","vintage":"09/05/2026","retrieved_at":"2026-09-05T20:59:44Z","sha256":"c2653da65c7a2974c06323f36c74ad2f7013c8cb362a87ff3ba0633cf2145e8e","source_id":"us-ky","stale":false,"prev":"us-ky/krs-426.715","next":"us-ky/krs-426.950"},"notice":"GroundRules: Original legal text. Not legal advice."}