OPINION OF THE COURT
This matter requires us to determine whether a lien held by the New Jersey Motor Vehicles Commission (“MVC”) for unpaid motor vehicle surcharges and interest constitutes a judicial lien or a statutory lien as those terms are defined in the U.S. Bankruptcy Code (the “Code”). If it is a judicial lien, it may be avoided by the Debtor-Appellant, Tracey L. Schick, under 11 U.S.C. § 522(f) to the extent that it impairs her entitlement to a homestead exemption under 11 U.S.C. § 522(d)(1). However, if statutory, the lien may not be avoided by the Debtor. At least three bankruptcy courts within our jurisdiction have concluded that the MVC’s lien is judicial, while two district courts have reached the opposite conclusion. For the reasons discussed below, we find that the MVC’s lien is statutory. Accordingly, we will affirm the decision of the District Court.
I. Background
The essential facts in this matter are not in dispute. In April 2001 and February 2002, the MVC issued certificates of debt to the Clerk of the Superior Court of New Jersey against Tracey L. Schick for unpaid motor vehicle surcharges and interest. 1 Subsequently, on October 1, 2002, Schick filed a voluntary petition for bankruptcy under Chapter 13 of the Code. The Debt- or’s residence was listed with a value of $100,000, against which a secured proof of claim in the amount of $91,660 was filed by the first mortgagee. Schick also listed the MVC as an unsecured creditor.
Schick’s Chapter 13 plan provided for the curing of arrears on her mortgage and on a car loan but included no provision for dividends to unsecured creditors. After the Bankruptcy Court confirmed the plan on February 28, 2003, the MVC filed a secured claim for $3,610, plus interest, based on motor vehicle surcharges assessed against Schick. In response, Schick moved to reclassify the MVC’s se *323 cured claim as a general unsecured claim and to avoid its lien as impairing her homestead exemption. In particular, Schick argued that the MVC’s claim was a judicial lien as that term is defined in the Code and could be avoided under 11 U.S.C. § 522(f) to the extent it impaired her homestead exemption arising in 11 U.S.C. § 522(d)(1). 2 In oppоsition, the MVC argued that its claim against Schick was a statutory lien, as that term is defined in the Code, and thus could not be avoided by the Debtor.
The Bankruptcy Court agreed with Schick, finding that the MVC’s claim for unpaid surcharges and interest, which arose pursuant to New Jersey’s surcharge statute, N.J. Stat. Ann. § 17:29A-35(b)(2), was a judicial lien, not a statutory lien.
See In re Schick,
Schick now brings this timely appeal, contending that the District Court’s decision was in error.
II. Jurisdiction and Standard of Review
This Court has jurisdiction over the final order of the District Court, entered in a bankruptcy proceeding, pursuant to 28 U.S.C. §§ 158(d) and 1291. Our standard of review is the same as that exercised by the District Court over the decision of the Bankruptcy Court.
See In re Zinchiak,
III. Discussion
As we noted in
Graffen v. City of Philadelphia,
the Bankruptcy Code recognizes three types of liens: judicial, statutory, and consensual.
In many cases, the distinction between a statutory lien and a judicial lien
*324
will be straightforward. For instance, the legislative history indicates that mеchanics’ liens, materialmen’s liens, and ware-housemen’s liens, as well as tax liens, are types of statutory liens.
See
S. Rep. 95-989 at 27; H.R.Rep. No. 95-595 at 314 (1977),
reprinted in
1978 U.S.C.C.A.N. 5787, 5813, 6271;
see also In re Sullivan,
We will first briefly consider the statutory scheme in New Jersey which gives rise to the MVC’s claim for unpaid motor vehicle surcharges and interest. We then consider our decision in Graffen to determine whether the lien in favor of the MVC is judicial or statutory. Finally, we explain why we are unpersuaded by the arguments as well as the theories advanced by Schick, and relied upon by the In re Schick and In re James bankruptcy courts, that the MVC’s lien is judicial.
A.
One of the collateral consequences for the violation of motor vehicle laws in New Jersey is thе imposition of surcharges against the driver. In particular, N.J. Stat. Ann. § 17:29A-35(b) (the “surcharge statute”) establishes a rating plan under which the MVC levies surcharges on drivers in one of several different situations. See generally 25 Robert Ramsey, New Jersey Practice Series § 13.1-.6 (3d ed.2001). For instance, surcharges may be levied against a driver who is assessed too many violation points, or who has been convicted of drunk driving or refusing to take a breathalyzer test. See N.J. Stat. Ann. § 17:29A-35(b)(l)(a), (b)(2). The amount of the surcharges is set forth in the statute and administrative regulations. See id.; N.J. Admin. Code tit. 13, § 19-13.1(a).
The MVC has several collection methods available to ensure payment of surcharges in the event of non-payment. At issue in this case is the ability of the MVC to file a certificate of debt with the Clerk of the Superior Court in the amount of the past due surcharge. See N.J. Stat. Ann. § 17:29A-35(b)(2); see also N.J. Admin. Code tit. 13, § 19~12.12(a). The surcharge statute states in pertinent part:
As an additional remedy, the director may issue a certificate to the Clerk of the Superior Court stating that the person identified in the certificate is indеbted under this surcharge law in such amount as shall be stated in the certificate. The certificate shall reference the *325 statute under which the indebtedness arises. Thereupon the clerk ... shall immediately enter upon the record of docketed judgments the name of such person as debtor; the State as creditor; the address of such person, if shown in the certificate; the amount of the debt so certified; ... and the date of making such entries. The docketing of the entries shall havе the same force and effect as a civil judgment docketed in the Superior Court, and the director shall have all the remedies and may take all of the proceedings for collection thereof which may be had or taken upon the recovery of a judgment in an action, but without prejudice to any right of appeal.
N.J. Stat. Ann. § 17:29A-35(b)(2). Accordingly, the surcharge statute directs the MVC to file certificates of debt with the Clerk of the Superior Court, whose sole responsibility is to doсket the debts in the amount as delivered. In New Jersey, when a judgment is docketed in the records of the Clerk of the Superior Court, it becomes a hen on the debtor’s real estate. See N.J. Stat. Ann. § 2A:16-1. 3 Thus, the effect of the surcharge statute is to allow the MVC to obtain a lien on the driver’s real property in the amount of the unpaid motor vehicle surcharges and interest.
B.
To determine whether the MVC’s claim for unpaid motor vehicle surcharges and interest is a judicial lien or a statutory hen, we look tо our decision in Graffen v. City of Philadelphia. In Graffen, we considered whether a lien obtained by the City of Philadelphia for unpaid water and sewer charges, pursuant to Pennsylvania’s water lien statute, Pa. Stat. Ann. tit. 53, § 7106(b) (1972), created a statutory lien or a judicial lien under the Code. 4 Under the statute, a municipal claim for unpaid water bills became a lien against the debt- or’s property, and had the effect of a judgment, after it had been docketed by a prothonotary and entered in the judgment index. The debtors had argued thаt the water lien statute created a judicial lien, which could be avoided under 11 U.S.C. § 522(f).
We disagreed, finding that the lien was statutory because it was not obtained by any “legal process or proceeding” within the meaning of the definition of a judicial lien, 11 U.S.C. § 101(36).
Graffen,
[Djoeketing simply would be a specified condition for creation of the statutory lien as defined in 11 U.S.C. § 101(53). The legislative history of the Bаnkruptcy Code, which demonstrates that mechanics’ liens can be statutory, supports this conclusion. Inasmuch as at least in some states public filing is required to preserve mechanics’ liens, there is no reason why the requirement that a water lien be docketed means that it cannot be statutory.
We find
Graffen
to be persuasive in this case based on the similarities between the Pennsylvania water lien statute and the New Jersey surcharge statute. For instance, as with the water lien statute in
Graffen,
the amоunt of the debt here is determined either as a matter of statute or administrative regulation, as noted above. Moreover, like the prothonotary in
Graffen,
the only duty of the Clerk of the Superior Court, with respect to the lien, is to docket the certificates of debt as delivered in “the amount of the debt so certified.” N.J. Stat. Ann. § 17:29A-35(b)(2). As we made clear in
Graffen,
the mere act of docketing a debt by the Clerk of the Superior Court as part of his ministerial duties is insufficient to render the MVC’s lien a judicial lien.
Graffen,
At oral argument, counsel for the Debt- or raised the possibility that there was sufficient judicial process or proceeding in this matter to find a judicial lien. In particular, counsel noted that, in certain instances, the MVC may not impose surcharges without a driver first being convicted in state court for driving violations. The Bankruptcy Court also suggestеd this approach in its opinion.
See Schick,
Our decision in
Lugo v. Paulsen,
C.
Schick seeks to distinguish
Graffen
because, unlike the water lien statute which explicitly created a lien in favor of the municipal authorities and thereafter permitted the docketing of the lien, here the surcharge statute itself does not create the lien. Rather, the lien arises only because the surcharge statute permits the MVC to file a certificate of debt, which becomes a lien on the debtor’s property only because the docketing is to have the effect of a civil judgment under New Jersey law. Similarly, the Bankruptcy Court in this matter, relying essentially on this distinction, found
Graffen
to be inapplicable. In particular, the Bankruptcy Court concluded that the appropriate method to analyze the surcharge statute is by focusing not on the language “obtained ... by other legal or equitable proсess or proceeding” in the definition of judicial lien, but rather on the language “obtained by judgment,” which is a separate component of the definition of a judicial lien in 11 U.S.C. § 101(36).
In re Schick,
However, we think the Bankruptcy Court placed too much weight on the word “judgment” in 11 U.S.C. § 101(36) and read it in isolation from the rest of the definition.
See In re Zukowfsky,
Here, this requirement is not fulfilled, as the lien obtained lacked any judicial process or proceeding. The surcharge statute grants the MVC a lien upon the docketing of the certificate of debt, which is then treated as having the effect of a civil judgment. In other words, the MVC obtains its lien not by any judgment, but rather by the ministerial act of doсketing, which is treated as having the consequences of a judgment. In effect, the surcharge statute grants the MVC an expeditious path to secure a lien against the debtor’s property, without having to engage in a lengthy and possibly costly judicial proceeding to obtain a judgment against the debtor. In our view, this statutorily created short-cut, in the absence of any meaningful judicial process or proceeding, renders the MVC’s lien a lien that “arises solely by force of statute.” 11 U.S.C. § 101(53). To hold otherwise would be to elevate form over substance and ignore the context in which “judgment” is used in 11 U.S.C. § 101(36). 6
For this reason, we also reject Schick’s reliance on the New Jersey tax lien statute, N.J. Stat. Ann. § 54:49-1, and construction lien statute, N.J. Stat. Ann. § 2A:44A-3. Schick rightly notes that the tax lien and construction lien statutes both contain language expressly granting a lien, whereas the surcharge statute contains no such language. For instance, the tax lien statute expressly grants a lien to the appropriate muniсipality or governmental entity: “Such [tax] debt, whether sued upon or not, shall be a lien on all property of the debtor.... ” Accordingly, the tax lien statute confers to the appropriate agency a valid and enforceable right to collect unpaid taxes on the day of the assessment without any judicial action. Similarly, under the construction lien statute, a contractor who provides work, services, material or equipment pursuant to a contract is entitled to a lien for the value of the work or services performed, or materials or equipment furnished in accordance with the parties’ contract. See N.J. Stat. Ann. § 2A:44A-3 (“Any contractor, subcontractor or supplier who provides work, services, material or equipment pursuant to a contract, shall be entitled to a lien for the value of the work or services performed, or materials or equipment furnished.... The lien shall attach to the interest of the owner in the real property.”). As with thе tax lien statute, the construction lien statute grants the contractor a lien for the value of the services rendered upon completion of the work without any judicial process or proceeding.
However, we do not believe that the fact that the surcharge statute lacks explicit lien-creating language, in contrast to the tax lien and construction lien statutes, is determinative in this matter. Like the tax
*329
lien and construction lien statutes, the surcharge statute contеmplates that the MVC will have the right to recover unpaid motor vehicle surcharges from the debtor without any judicial action. The additional step required by the surcharge statute — the filing of the certificate of debt with the Clerk of the Superior Court — is merely a ministerial act intended to “perfect” the lien in favor of the MVC. As noted in
Graffen,
this ministerial act is only a “specified condition” for the creation of the statutory lien.
Graffen,
Finally, we consider the Bankruptcy Court’s reliance on our prior decision in
Gardner
as an example of where a lien was ruled judicial because it was “obtained by judgment.”
See In re Schick,
However, we do not believe that
Gardner
is applicable in this case or supports a conclusion that the surcharge statute creates a judicial lien. In
Graffen,
we noted that, for purposes of finding a judicial lien, in some instances a judicial proceeding may be
ex parte,
and we cited
Gardner
as involving such an example.
Graffen,
IV. Conclusion
For the foregoing reasons, we determine that the MVC’s lien is a statutory lien. *330 Accordingly, the judgment of the District Court will be affirmed.
Notes
. The New Jersey Division of Motor Vehicles ("DMV”) became the MVC on January 28, 2003, following the passage of the Motor Vehicle Security and Customer Service Act, N.J. Stat. Ann. § 39:2A-1 et seq.
. 11 U.S.C. § 522(f) states in pertinent part:
Notwithstanding any waiver of exemptions but subject to рaragraph (3), the debtor may avoid the fixing of a lien on an interest of the debtor in property to the extent that such lien impairs an exemption to which the debtor would have been entitled under subsection (b) of this section, if such lien is
(A) a judicial lien....
. "No judgment of the superior court shall affect or bind any real estate, but from the time of the actual entry of such judgment on the minutes or records of the court.” See N.J. Stat. Ann. § 2A:16-1.
. The water lien statute stated in relevant part:
With the exception of those claims which have been assigned, any municipal claim, including interest, penalty and costs, imposed by a city of the first class, shall be a lien only against the said property after the lien has been docketed by the prothonotary [the chief clerk]. The docketing of the lien shall be given the effect of a judgment against the said property only with respect to which the claim is filed as a lien. The prothonotary shall enter the claim in the judgment index.
Pa. Stat. Ann. tit. 53, § 7106(b).
.For instance, in
Gardner,
we recognized that "a lien obtained by confessed judgment is a judicial lien avoidable under § 522(f)(1) оf the Code, and not a security interest or a statutory lien.”
. We note, hypothetically, that if the surcharge statute were to be repealed to divest the MVC of its expeditious remedy, then the MVC would have to proceed in court in a civil action to seek a judgment against Schick in order to secure a lien against the Debtor's property. In such a circumstance, there clearly would be the required judicial process or proceeding to transform the MVC's lien into a judiciаl lien. The fact that the New Jersey legislature chose to give the MVC a short-cut in obtaining its lien supports our holding that the MVC’s lien is statutory, not judicial.
. We also note that, although the surcharge statute does not explicitly provide for a lien itself, that statute read in conjunction with § 2A: 16-1 does explicitly provide for the lien. We do not see any reason why a lien should lose its statutory character simply because it is automatically created by the operation of two statutes, rather than one. Although 11 U.S.C. § 101(53) states that a statutory lien must arise "solely by force of a statute,” we think it would be overly formalistic to interpret the use of the singular statute to bar statutory liens from being created by operation of more than one statute read in conjunction.
. "[A] confession of judgment ... gives by consent, and without the service of process, a result which could otherwise be obtained only by process through a formal proceeding; it constitutes but one of the ways by which a person may be sued.”
In re Ashe,