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Personal Information Affidavit?

What is a Personal Information Affidavit?  A Personal Information Affidavit is an affidavit under oath prepared by a person involved in a real estate transaction.  The purpose of the personal information affidavit is to determine whether a person has a judgment or lien against them.  Often, the title company will identify a possible judgment such as an IRS lien or other issues and must get more information before determining whether the judgment involves the person who is forced to fill out a personal information affidavit.


A Personal Information Affidavit is also known as a “judgment affidavit”.  In the personal information affidavit, the affidavit informs the title company under oath where they have lived and worked over the last ten (10) years.  Often, a buyer or seller will be forced to fill this out at closing.  However, in our experience, it is best to plan ahead and have the person subject to the personal information affidavit or “PIA” or “Judgment Affidavit” to fill it out in advance.  Generally, a seller’s attorney will get advanced notice of the requirement of a PIA or Judgment Affidavit in the Preliminary Title Commitment.


In conclusion, a personal information affidavit is an affidavit that swears where a person has lived and worked for a period of 10 years.  The purpose is to determine whether the person is the person with the possible judgment or lien.  Unfortunately, a seller cannot close the real estate transaction without satisfying all judgments and liens at or prior to closing.  Attorney Sean Robertson is an experienced real estate attonrney in Yorkville, Oswego, and Kendall County.  Gateville Law Firm is your real estate law firm serving the Naperville, Yorkville, and Shorewood areas.  We can be reached at 630-780-1034.

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