Can Someone Put A Lien On My House Without Me Knowing?

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“Have you ever attempted to market a home only to find that a lien was put on it several months ago, and no one was aware? Or, even more, have you ever attempted selling a home only to find it had lien-holders on it?”

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Can Someone Put A Lien On My House Without Me Knowing?

There’s a high chance that just nobody will put a mortgage on your property or house, but it’s common for a settlement or decision by a court to result in a claim. Here are the most common situations that can cause a lien and the steps you can take to prevent it. Let’s talk about this: Can someone put a lien on my house without me knowing?


Bit about a Lien.

What is a lien on a house? To understand a lien, you must first clearly understand what it is. A lien is a statement attached to your property title by a creditor saying you owe them money. If you pay that debt, your title is clear, so you cannot refinance or sell it. There are two types of liens:

Typical voluntary liens involve a creditor and a debtor, for example, a mortgage. For example, a debtor who falls behind on tax payments may be subject to an involuntary lien by law.

Can someone sell my house without me knowing? An involuntary lien can occur without your knowledge, depending on the circumstances. A creditor often places a judgment lien after suing you and winning the case.


What exactly is a lien on a property, and how does it function?

To comprehend what a lien on a property is, you must first know how loans function. A loan is a source of funds for individuals through an agreement stipulating that the borrower must repay the loan. Certain loans permit the borrower to accept more significant amounts of money or at a lower interest rate by taking out loans secured by a lien on a property such as a home. 

This type of lien allows the lender to gain access to any property (car or house) if the borrower does not pay back the loan in the manner initially agreed. Liens against property are the most frequently used lien, primarily for mortgages. The lien on your property allows you to access a substantial amount of money through a mortgage, enabling you to purchase a high-priced asset. 

If you can keep up with the loan, your lien is removed. If you do not pay, the creditors may take legal action, and the house may be taken in the worst-case scenario in the worst-case scenario.


Judgment Liens

A judgment lien on your property allows the creditor to collect the money they won in a lawsuit against you. A creditor can obtain a certificate of judgment after winning a lawsuit against a debtor that can go to a county land records office where the property lies if it wins the lawsuit. You may lose a court case with a creditor, even if you have not received formal notice.


Can someone put a lien on your property without you knowing?

Is it possible to put a lien on your property without being aware/can someone put a lien on my house without a contract? Yes, it does happen. Sometimes, a court ruling or settlement can result in the issuance of a lien on my house that is not mine on a property, and for some reason, the owner needs to be made aware of it initially.

If you aren’t familiar with liens, be aware that Liens are the term used by creditors to attach to the property title that states, “You owe us money. We want to get to pay it back.” If you don’t pay the debt off and the title is cleared, it won’t be able to be sold, meaning that the property cannot be refinanced or sold.

Liens are a way for creditors to recover the money they are owed. They generally need cash. In some instances, they could even try to foreclose on your house.


When a buyer purchases an investment property

When a buyer purchases an investment property, they receive the title. They would like an unambiguous identification. Titles are only apparent when the lien has been paid off before the sale. Therefore, it is obvious that most buyers would like the seller to settle their debts. They don’t want to be a victim of the responsibility of someone else’s debt(s)!

Since most of the liens are public records, You can determine if they exist in your home. Visit the local county or city recording office. It is recommended, and they’ll provide the information you want.

Do you have the ability to challenge the creditor who has the lien against your house? Yes! Keep an inventory of all the details when dealing with them, such as letters pho,ne calls, email messages, etc. It is always advisable to remain aware of these things. Also, try your best to pay all your debts on time so that you don’t get any debtors trying to make your lives more difficult.


What can happen when someone puts a lien on your home?

Can Someone Put A Lien On My House Without Me Knowing? The lien on your property will last until you pay off the debt or the judgment expires. Sometimes, you may be foreclosed upon by a creditor who has requested a writ of execution. Creditors generally forgo foreclosure in favour of waiting until your property is sold instead of foreclosing on your property.

A creditor may foreclose on your property if your debt remains unpaid or the judgment expires. Sometimes, a creditor may request a writ of execution and foreclose on your property. Usually, creditors prefer to wait to collect before your property is sold instead of preceding foreclosures. You can sell your property with a clear title, so you must pay off your lien before doing so.


When someone puts a lien on a property?

When a lien is put on a property, the property is a sign that another person owns a stake in that house.  A lien is a legally binding claim on a property that gives the owner or the company the power to enforce the amount due.

Generally, if a homeowner secures a mortgage loan on their home, the lender grants a lien on the property. If you fail to repay your loan as stipulated in your contract, the lender will have the legal right to acquire the property to recover their loss.

Let’s review the two primary kinds of liens available in California and nationwide. This way, you can understand what happens when a lien is placed on your home.


When the borrower agrees to put a lien on the property in exchange for an agreement between the lenders, it is usually seen with loans and mortgage lines of credit.


Suppose a lien is imposed on a property violating the borrower’s consent. Examples include tax lien, judgments against the homeowner arising from court cases or contractors who were not compensated for the work they performed.


How do I know if someone put a lien on my house?

Good News! There are various easy methods of determining whether there’s an obligation on the property. 


Ask your title company.

Title companies are excellent allies. They can ensure no liens are attached to the property through an inquiry into title records, revealing the owner’s history. If a lien is found and the title company is notified, they will inform you and will be more than happy to resolve the problem. Title companies also offer insurance to protect buyers from the potential cost of unintentional title defects.


Visit your county courthouse or the recorder.

This is the best choice when you want someone to discuss the possibility of a lien on a house. If you have questions while you’re there, don’t hesitate to ask, and they will assist you!


Find your property online with the county clerk or recorder.

In many jurisdictions, you can find properties online via the clerk’s or recorder’s office and look for a lien. While this is one of the fastest methods to find the details, the database must be stocked with the required details. It could take a bit longer in the office, but you’ll be able to collect any necessary information.


Check for Property Liens


Check for Property Liens


Search for Lien against Property

The city or county recording office should be able to inform you without your knowledge whether a lien has a lien opposite your property.


Lien Prevention and Fight

Knowing how to fight your creditors if a lien appears against your property is important. Even though it isn’t always possible to resolve debt easily, try your best to do so. Document everything you do with them: letters, phone calls, emails, etc.

Pay attention to a creditor’s judgment request if you receive it. Respond in writing, show up at court dates with an attorney, and provide documentation of your financial situation. Even if you don’t win the case, keep an eye open for the possibility of creating a lien by the creditor.


Notice of involuntary lien California

In general, the person suing must notify the property owner that a process is set to occur. The third-party might have tried to reach out to the debtor to negotiate repayment of debts but in vain. When debts are not paid for enough, the third party may notify the property owner that it plans to put an involuntary lien upon the house. 

If you get this notice, you can exercise the chance of settling your debts before deciding to approve the lien. This will stop the debt from becoming a public record forever.

If you want to avoid settling your dispute with the third party, the party will have a deadline by which it can submit a lien claim. 



Deadlines and deadlines vary depending on the law of your state. A third party has to file the legal document with the proper governmental agency within the property’s jurisdiction to process this involuntary lien. From that point, the third party can claim the lien as before other claims by providing other creditors and lien holders notice of this involuntary lien.

A lien can benefit the party filing it in a variety of ways. It puts the property owner under pressure to pay off the debts that they owe. It guarantees that the other party will receive the money owed to the owner in one way or the other. The collector will have the home if the owner can’t pay the debt. 

The collector then can dispose of the property and use the proceeds to pay the debt. When someone purchases a property with liens, they will deliver the proceeds to the debtors in a specific order of priority.


Bottom Line

It is a legally registered claim against your property used to secure the payment of a debt. You need to pay the debt and get the lien lifted to be able to refinance or sell your home. There are a variety of liens that creditors may make, and you could discover subtle distinctions when trying to get them eliminated.

  • Involuntary liens can negatively impact homeowners more than voluntary liens.
  • Until payment requirements can be met, creditors may place liens on property to settle their debts.
  • The homeowner is responsible for keeping track of and paying off all debts on time to avoid having liens placed on their home without their knowledge.
  • Liens do not always appear on records, so a municipal lien search is necessary to uncover them.


Can Someone Put A Lien On My House Without Me Knowing?

Knowing the consequences of the implications of a lien on your property is an essential step to protect your financial and legal interests. The more you know about the impact of a lien, the better prepared you will be for possible challenges related to this matter. Although lien on property issues don’t have to detract from homeownership, it’s essential to be aware of those with a financial interest in your house. A licensed title professional can help you catch liens in unexpected places if you’re concerned about liens on your property without your knowledge.

When selling or buying a home, a public record search will help clear up any issues affecting your decision.

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...