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I am really surprised you were able to get a mortgage after having a foreclosure, credit card debt, your income and your ages.
In lieu of that:
1) Check in your area at any senior centers; you can sometimes find centers in which attorneys volunteer their time/knowledge for a few hours.
2) Call your local council on aging for suggestions for low cost legal/financial advice.
I think that when you need expert advice you are better with an expert than with a Forum of strangers with varying opinions from around the world.
Lastly, Barb here often recommends www.bogleheads.org which has a financial forum. I think you will get better solid financial options from that forum given the complexities of your history/ current situation, than on a caregivers forum. Just my humble opinion and I wish you the best.
Mid to late sixties, and you still have an outstanding 20 year mortgage? Damn...
Once a lien is placed, it must be settled to remove. You or your heirs are going to have to deal with it.
I would recommend getting the information so the interest doesn't keep accruing. Often times a payment plan will put a stop to that.
You should find out if your local legal aid can help you deal with this situation. Because you can not get away from the judgment, you have to deal with it, by actually dealing with it.
Good luck.
Right now you don't even own this home (that you don't seem to be able to afford). Where I live the lien needs to be cleared by the person who buys or inherits the home. Would your son be able to afford that? And then continue to pay the taxes, insurance, utilities, upkeep and repairs on an ongoing basis?
What you and your husband need to seriously think about is Medicaid. If you are poor, you will surely need Medicaid to help pay for your own care in your impending declining years -- especially if your husband is already disabled. Otherwise, your children may be stuck in a very difficult dilemma trying to care for both of you and/or pay for it as well with no relief or other solutions.
Please give us more information about why you are worried that your son may become homeless...is he low-income right now? Can't work?
Find an estate or Medicaid Planner for your state. When people make plans based on inheritances they often make some very poor decisions.