Hi,
I have recently discovered that a creditor who filed a judgment suit against me last year also filed a lien on a property that I do not own. This property is owned by my parents and I am not on the title, the deed or the mortgage. How did this happen and could the law office that filed this be committing a fraud?
I have investigated this matter further and have discovered that I am not on any paperwork that would associate me with ownership of this home. Further, I have contacted the law office that placed the lien and was informed that the attorney would not take this lien off and that I was to take the settlement offer that they have offered me. I unfortunately do not have the money to settle this and informed them of this. The women continued to pressure me to take the offer and told me that a lien is no big deal and that it will not be taken off. I then asked her if she would be able to provide me with information as to how it was determined that I have any ownership rights to this property that would establish this as a legitimate lien that can be enforced.
She informed me that she does not have that information and is not sure how this was accomplished. She told me that if I want to I could write a letter to the attorney requesting this information.
lien on property
Hi Cadence,
If you are not on any of the paperworks on this property, or your name isn't there on the title, and if your parents are in no way associated with this debt, then the creditor cannot put a lien against the property. The creditor is not supposed to put the lien against the home totally owned by your parents.
You parents can talk to the creditor abut this. They can send a written request to the creditor to remove the lien from their property. If the creditor fails to comply to this request, they can file a complaint with the Federal Trade Commission, and State Attorney General.
Thanks,
Aaron