It is not too late. Judgment liens can be removed in most Chapter and Chapter 7 cases. If your house is worth $20,000 more than what you owe, we may have a problem. Call me today so that we can discuss your options. It does not cost anything just to speak with me.
A judgment resulting from a DUI and criminal fines cannot be discharged in Chapter 13 or Chapter 7. Bankruptcy does not protect you from criminal prosecution.