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 that results 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.

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.

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. Now we will learn in detail about Can Someone Put A Lien On My House Without Me Knowing? Let’s start!

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.

What Can Happen?

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 favor 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.

Check for Property Liens

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

Search for Lien against Property

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

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.

Key Takeaways

• 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.

Although lien issues don’t have to detract from homeownership, it’s important 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.