Refinancing with cash out provisions, Judgement that has exceeded the statute of limitations. Collection agency no longer has any record of the judgement lien and will not provide documentation. In effect the title record is orphaned. I appear to have three options
1. Get the county clerk to update the title record since the dates in the judgement attest that the statute of limitations has been exceeded.
2. Write a letter indicating a willingness to negotiate with them in the hope that they will say formally that the lien has not been renewed.
3.Ask the lender to refinance despite the confusion in the title record