Can A Family Member Put A Lien On My House?

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“Our homes are our castles, but that is only sometimes true, particularly if you are the last to know about a lien placed on your property. Even though liens exist to collect unpaid debts, that does not mean your home should act as collateral.”

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Can A Family Member Put A Lien On My House?

Let’s examine Can A Family Member Put A Lien On My House? The different types of liens that could appear on your property and how you can avoid them to avoid this situation.


What Is a Property Lien?

What is a lien on a house? Generally, a lien is a public record that indicates a creditor claims you owe them money. It suggests that you owe your creditors some money. Generally, it is filed with a county records office (for real estate) or a state agency, such as the secretary of state (for boats, mobile homes, office equipment, etc.).

You must have a clear title to sell or refinance a property if someone puts a lien on it. Liens are common ways for creditors to collect what they owe. Liens on houses, mobile homes, cars, and other properties make their titles need clarification.

You must pay off the lien to clear up your title. In other words, creditors know putting a lien on the property is a cheap, almost guaranteed way of receiving payment sooner or later.


What happens to your property?

Can A Family Member Put A Lien On My House? A title report can reveal whether there are any liens on your property. It’s essential to find out whether there are any issues with the title before trying to split your interest or refinance the property in or following a divorce.

A clear title report will demonstrate that there aren’t any liens in the title, that all liens were completely paid off, and that the creditor has agreed to let the debt float through the subordination agreement, as well as that an escrow firm can issue a current title insurance policy.

From a private roof view, a loan appearing in your credit file may make it difficult to get financing or credit soon.


Who can put a lien on your house?

Who can put a lien on a property? Any party that owes the owner money can place a lien on their property. This includes contractors, government agencies, and mortgage lenders. The property owner must pay the debt to remove the lien on the house and regain ownership.

Can A Family Member Put A Lien On My House? An encumbrance on your home will inform others that you owe the creditor money. Before you can even sell the property, you’ll need to pay back your obligation.


kinds of lien

There are two kinds of lien: voluntary and involuntary. An involuntary lien is a non-voluntary lien when you use the property as collateral for your loan. An involuntary lien is a lien on the property to which the creditor has the right to attach.

Some involuntary lien liens are derived from things such as unsecured credit (credit cards or medical bills) and personal loans) where the creditor goes to court and obtains the permission of a judge to place the property in a lien.

Other lien types comprise:

  • Tax lien on property
  • IRS liens
  • Liens for child support
  • Materialmen’s or mechanic’s liens
  • Family law and real property lien

A Word on Mechanic’s or Materialmen’s Liens

If you employ a contractor but don’t pay the invoice, the contractor files the mechanic’s lien on your property. 

What happens when a lien is placed on your home? A lien is a legal method for creditors to gain control over property. It gives creditors the right to seize the property or to collect the money due from its sale. Creditors can also stop the owner from selling or refinancing the property until they have paid the lien.

The contractor must record the lien within one to six months of the balance not being paid. After that, they have to sue you to enforce the lien. If the contractor prevails in the suit, they could get you to sell your property.

Let’s examine some scenarios that may occur and what you can do if you find yourself in them. Let us know if there is a lien on my house.


Is it Bad to Have Liens in Your Home?

Is there a lien on my house? A lien makes your home hard to sell. In the case of a voluntary mortgage lien or other lien, it is evident that you want the lien. You may only be eligible for a loan if you have a lien.

There is no situation where a lien will make it easier to sell your home. A lien is likely to scare away many investors and buyers. 

Can someone put a lien on my house without me knowing? Home buyers hire a title company to search for the title to ensure there are no liens. A lien does not make selling a house impossible. You have other options if you cannot pay off the lien. You can sell your home to Arlington, who will pay off your lien and take on the debt.

If there is a mortgage lien, you should sell your home without using a realtor. This allows you to find non-traditional buyers that can pay off the debt. A traditional realtor will focus on finding home buyers interested in living in the house. However, most won’t want your home due to its lien.


Can a credit card company put a lien on my house?

How to put a lien on a house? A creditor may place a lien against your home for an unsecured debt if you do not honor your agreement to repay the loan.

A lien is a claim that you have made against your property. Putting a lien on a house gives your creditor the right to all money or other property from the sale until the debt has been paid in full.

It’s crucial to act quickly if a creditor places a lien against your property. Negotiate a settlement or payment plan with the creditor that will allow you to pay the debt in instalments. If this isn’t possible, consult a lawyer about how to deal with the debt or remove the lien.


Liens Placed On a Home by Common Entities


Liens Placed On a Home by Common Entities.


Real estate taxes

If you owe real estate taxes, the government may place a lien on your property. Be aware that property tax liens take precedence over all other mortgages. To protect your mortgage, your lender may pay your property taxes. Or your lender may pay the taxes to cover the mortgage. The government can sell your home to pay your property taxes if they don’t.



Unsecured debt holders, such as credit card companies, medical providers, and personal loan companies, can sue and get a judgment against you. You can file a judgment lien on your home with the judgment in hand.


Attorney fees

It is only possible for your lawyer to place a charging lien on your property for unpaid legal fees if this appears in your contract with the lawyer (which it usually is).



The contractor can file a mechanic’s lien if you fail to pay them. Contractors are usually required to file liens within six months of non-payment. The contractor then has to sue to enforce the lien within one year, but this can vary by state. The contractor may be able to force the sale of your home if they win the lawsuit.



The IRS can attach a lien to your home if you don’t pay your back taxes.


Child support/alimony

If you owe substantial alimony or child support, your former partner or spouse can put a lien on your property. The lien will remain until you pay the debt, refinance your property, or the former partner or spouse forces a lien sale.


Liens on Jointly-Owned Property

Can A Family Member Put A Lien On My House? The terms of ownership determine whether there can be a lien on the joint-owned property. For example, an individual creditor cannot encumber a property owned by a married couple through an ownership quality called “tenants by the entirety.”

A lien can only attach to the interest of a married couple or joint owner if they hold a tenancy by the entireties title. In any case, the lienor will become a co-owner of the property, regardless of whether it is a judgment or confessed judgment.


Can a lien be placed on jointly-owned property?

A lien can be placed on a property owned jointly. The effects of the lien will depend on the type of property. It’s essential to understand what liens are before discussing joint ownership.

Speak to an attorney familiar with Maryland real estate laws if a contractor or creditor has placed a lien against your property. You can remove a lien to avoid losing money.

A lienor can be a general contractor who owes money or a creditor. Such as a mortgage company. A lienor can attach and enforce its lien on a joint owner’s title, but the lienor will usually negotiate with the owners instead of forcing the sale of the property.


How do you remove the Lien from your property?

Removing the lien from your property is an extremely lengthy and complicated procedure. However, you have some options.


Satisfy Your Debt:

This is the most straightforward alternative. When you’ve paid your debt, you can file the Release of Lien form in the total amount. This document proves that the debt is paid and will remove any lien on your home. 

Each state has its own rules and regulations about the procedure. Be sure to inquire with your state to ensure you follow the proper method.


Obtain a Court Order Removing the Lien:

This option is available if you can obtain the loan through coercion, fraud, bad faith, or other illicit methods. In these cases, you may ask the judge to revoke the lien. But, this is hard to demonstrate. Therefore, it is crucial to provide evidence of the wrongdoing.


File for Bankruptcy:

As we’ve discussed, you may file bankruptcy to remove the lien. This option is available only to certain types of liens, including legal liens. These may only be valid for a short period.


Privately Negotiate With the Creditor:

If both parties are on the same page, negotiating a settlement is possible. This could be achieved via mediation, arbitration, or informal talks.


Wait For the Statute of Limitations to Run Out:

Each state has laws defining when a lien can be valid and when a creditor must bring a lawsuit after the debtor fails to pay.


Some Other Methods for Removing Liens.

Three methods are available for removing liens.

  • By filing a formal complaint with the land titles office, you can have a lien on your house removed if it has a flaw.
  • We can also remove a lien from your house by paying the amount of the holdback into court, which may be significantly less than the lien. Alternatively, you may settle your debt for the lien or pay the holdback amount in court.
  • The Land Title Act also provides for the cancellation and removal of liens by filing and submitting Form 17 for builders’ liens.


Frequently Asked Questions (FAQs)

What happens if one buys an investment property that has an attached lien?

Buying a property with an attached lien is impossible because homeowners aren’t allowed to sell it. Many mortgage companies will not approve the loan for this kind of property. If a buyer buys an unforeclosed property, they must pay for the lien.


What can you do to determine whether there’s a lien on house?

The secretary of county or state clerks has information about property records and will be able to share this information. You can typically find the information on the internet.


How do you keep a lien on your home the force?

If you buy a house mortgaged, it is a matter of adding a lien away that lasts for the entire mortgage duration. However, has the lender bank gone out of business if you have paid off the mortgage on your house? If the bank went under in the last few years and was acquired by a different bank, it is best to get in touch with the new bank.


Bottom line

Can A Family Member Put A Lien On My House? Whenever a creditor or contractor places a lien on your property, it can be challenging to remove it. If a real estate lawyer assists, a lien can be removed with a lot of ease.

Engaging a knowledgeable and experienced foreclosure lawyer will be ideal when you have an obligation on your property that you want to get removed.

Based on your situation, they can review the lien and determine the most effective way to proceed. Ultimately, an attorney can represent your case in court and ensure all the necessary paperwork is completed.

Alec Stroup

ALEC STROUP Associate Attorney  Roseville Office  1-866-471-6981  Alec...

Hedy Ghavidel

HEDY GHAVIDEL Managing Attorney  Roseville Office  1-866-471-6981  Bio...