Can a credit card put a lien on your home over a credit card debt? 14 Answers as of April 05, 2011

Can a credit card put a lien on your home over a credit card debt? How does that work and what does that mean immediately?

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Financial Relief Law Center
Financial Relief Law Center | Mark Alonso
Yes, they can put a lien on your property if they have gone through the legal process and obtained a judgment. Bankruptcy can be used to remove the lien as well as obligations on other unsecured debts.
Answer Applies to: California
Replied: 4/5/2011
Indianapolis Bankruptcy Law Office of Eric C. Lewis
Indianapolis Bankruptcy Law Office of Eric C. Lewis | Eric Lewis
In many states, any debt reduced to judgment can result in a judgment lien on real estate.
Answer Applies to: Indiana
Replied: 3/28/2011
Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
First they have to get a judgement. Once they do that they can place a lien on any real property you own. Under certain circumstances (that vary from state to state) you can remove these liens in Bankruptcy.
Answer Applies to: California
Replied: 3/25/2011
Bankruptcy Law Center
Bankruptcy Law Center | Bill Zurinskas
Once an unsecured creditor obtains a judgment after service of a summons & complaint, they can place a judgment lien aginst yur real property. Bankruptcy may be able to remove said judgment and judgment lien.
Answer Applies to: Colorado
Replied: 3/25/2011
Ferguson & Ferguson
Ferguson & Ferguson | Randy W. Ferguson
They would have to get a judgment against you first. (file suit and win) If they file suit and win they could pursue a lien or garnishment.
Answer Applies to: Alabama
Replied: 3/25/2011
    Carballo Law Offices
    Carballo Law Offices | Tony E. Carballo
    Anyone who obtains a judgment for any debt can put a lien on the real estate of the person owing the judgment. That includes a debt for credit card charges. Once a judgment is obtained, that creditor has the court issue an Abstract of Judgment which once recorded becomes a lien on any property of the person owing the judgment.
    Answer Applies to: California
    Replied: 3/24/2011
    Law Offices of Michael J. Berger
    Law Offices of Michael J. Berger | Michael J. Berger
    Before a credit card company can put a lien on your home over a credit card debt, it would have to sue you and obtain a judgment against you. It could then obtain and record and abstract of judgment which would become a lien on any real property that you own in the county in which the abstract of judgment was recorded.
    Answer Applies to: California
    Replied: 3/24/2011
    The Law Office of Mark J. Markus
    The Law Office of Mark J. Markus | Mark Markus
    Any creditor can file a lawsuit if you are delinquent under your contract and if they get a judgment, can put a lien against any assets you own. What it means depends on the equity above the lien in the asset in question, and what exemptions you have under your state's laws.
    Answer Applies to: California
    Replied: 3/24/2011
    Greifendorff Law Offices, PC
    Greifendorff Law Offices, PC | Christine Wilton
    A credit card creditor can only place a lien on your real property if they have sued you in court and obtained a judgement in their favor. With a judgment they can then place a lien. Otherwise they are just threatening you in violation of the Fair Debt Collection Practices Act. You can hire an attorney to sue them for this.
    Answer Applies to: California
    Replied: 3/24/2011
    Law Office of Harry L Styron
    Law Office of Harry L Styron | Harry L Styron
    Only by filing a lawsuit, getting a judgment and recording an abstract of judgment with the recorder's office. To do that they have to serve you with a summons and complaint. If that happens you need to consult an attorney.
    Answer Applies to: California
    Replied: 3/24/2011
    Law Offices of Joseph A. Mannis
    Law Offices of Joseph A. Mannis | Todd Mannis
    They'd have to sue you first. Once they sue you, they will obtain a judgment, and then, pursuant to that judgment, they may place a lien on your home. Not a good thing to let happen. Should you have any other questions, or would like a free consultation, please contact me and I'll be happy to help you.
    Answer Applies to: California
    Replied: 3/24/2011
    Gus Johnson Attorney at Law
    Gus Johnson Attorney at Law | Gus Johnson
    If they get a judgment, generally it is a lien on all real property you own.
    Answer Applies to: South Dakota
    Replied: 3/24/2011
    Cohen & Kendziorra, P.A.
    Cohen & Kendziorra, P.A. | Robert S. Cohen
    It becomes a lien when a credit card debt becomes a judgment and only that can happen when the creditor who is owed the debt sues you in court.
    Answer Applies to: Florida
    Replied: 3/24/2011
    Mercado & Hartung, PLLC
    Mercado & Hartung, PLLC | Christopher J. Mercado
    In WA, a lien may be attached arising from any judgment including credit card debt. If you are sued, and you either fail to respond and a default judgment is entered, or you lose your case then the judgment is automatically a lien on your property in the county where the judgment was entered.
    Answer Applies to: Washington
    Replied: 3/24/2011
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