ECB violations matched by address should be reported as municipal liens, independent of what name the lien is against as the name could be misspelled in the City of New York ECB database.
ECB judgments by address on a current owner can be reported either as a civil judgment removable by foreclosure or municipal liens attaching to the property. ProTitleUSA
reports these as municipal liens at all times, due to the fact that they can become tax liens at any point in time, once transferred to the Dept. of Finance, hence they would then attach to the property. Here is the interesting point that should be considered in due diligence: if the foreclosure happens within a year of mortgage acquisition, while the ECB judgment was not converted to a tax lien, the ECB judgment is wiped off from the property. But, if the ECB judgment was a judgment at the time of acquisition and was converted to a tax lien before the foreclosure, the ECB judgment converted to a tax lien would attach to the property and would need to be paid off. In ProTitleUSA’s opinion, the date of an ECB judgment is important to track in due diligence to estimate the risk on purchase, assuming ECB judgments will take at least 1-2 years to be converted to tax liens.