If he cannot pay the $30,000 credit card debt, can a lien be put on our home that we have together and will this lien affect me? 10 Answers as of November 09, 2012

I am not on the credit card.

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The Law Office of Darren Aronow, PC
The Law Office of Darren Aronow, PC | Darren Aronow
Once the creditors get a judgment then they can put a lien on the house. It will not affect your credit but it will affect your house.
Answer Applies to: New York
Replied: 11/9/2012
Law Office of John C. Farrell, Jr.
Law Office of John C. Farrell, Jr. | John C. Farrell, Jr.
A lien can be put on the property as approved by the court and for his portion of ownership.
Answer Applies to: Massachusetts
Replied: 11/1/2012
Dennis P. Mikko Attorney at Law | Dennis P. Mikko
A credit card is an unsecured debt. Without first obtaining a judgment, the credit card company could not place a lien on anything. Since the home is jointly owned as husband and wife, it cannot be used to satisfy a debt of just one spouse.
Answer Applies to: Michigan
Replied: 11/1/2012
Law Office of Stuart M. Nachbar, P.C.
Law Office of Stuart M. Nachbar, P.C. | Stuart M. Nachbar
If they get a judgement, they can put a lien on any property he owns, whether joint title or not.
Answer Applies to: New Jersey
Replied: 11/1/2012
Law Office of D.L. Drain, P.A.
Law Office of D.L. Drain, P.A. | Diane L. Drain
It depends on the state where you live, the value of the property and the debt owed against the property.
Answer Applies to: Arizona
Replied: 11/1/2012
    Law Office of Bijal Jani | Bijal Jani
    Yes, the lien would affect you indirectly because you would not be able to sell/transfer the house without first satisfying the outstanding lien.
    Answer Applies to: New York
    Replied: 11/1/2012
    Park Law Offices LLC | Kevin Parks
    A credit or collection company could pursue an outstanding balance by filing a claim and obtaining a judgment, at which point it would be able to pursue a variety of collection methods, including potentially placing a lien on real estate. You should have him consult with a consumer law attorney who might be able to negotiate a settlement of the outstanding debt and avoid many of the possible negative impacts of collection.
    Answer Applies to: Oregon
    Replied: 11/1/2012
    Victor Varga | Victor Varga
    Depends on whether you are married and how the property is titled. If you are and it's titles as tenants by the entirety, then no, they cannot lien the home.
    Answer Applies to: Maryland
    Replied: 11/1/2012
    Musilli Brennan Associates PLLC
    Musilli Brennan Associates PLLC | John F Brennan
    In Michigan his debts will have limited, if any, effect on joint property. However, you need to see an attorney with specifics for firm advise.
    Answer Applies to: Michigan
    Replied: 11/1/2012
    Florio Law Firm, PLLC
    Florio Law Firm, PLLC | Amber Morgan Florio, Attorney at Law
    Thank you for your question. Generally speaking, in the State of Texas, an unsecured creditor cannot place a lien on your homestead.
    Answer Applies to: Texas
    Replied: 11/1/2012
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