Louisiana Notary Practice Exam 2025 – 400 Free Practice Questions to Pass the Exam

The type of mortgage that results from filing a judgment in the mortgage records of the debtor's property parish is known as a Judicial Mortgage. This type of mortgage is established automatically when a court judgment is entered against an individual or entity, and the judgment creditor files the judgment in the parish where the debtor's property is located.

Judicial Mortgages serve as a form of security for the creditor and have specific legal implications. They provide the creditor a claim against the debtor's property, making it more difficult for the debtor to sell or refinance. This process is authorized by Louisiana law, reinforcing the importance of public records in maintaining transparency and clarity regarding financial claims.

The term "Judgment Mortgage" is sometimes used interchangeably but is not the legally recognized term in Louisiana. Statutory Mortgages refer to ones that arise from specific statutes, while Contractual Mortgages are created by agreement between parties. The unique nature of Judicial Mortgages stems from their connection to court judgments and the filing process, which solidifies the creditor's rights in a legal context.