I am so far in debt that all I can afford to pay is my mortgage, utilities, car payment, gas for my car and a little money for food. I live on a fixed income and have no savings.The only asset that I have is my duplex which is empty at this time. I used that rental property to pay my moirtgage.

Therefore my credit cards are not being paid. I believe the total between 6 creditors is $30,000.00. I am so worried that the creditors collectively will put liens on my property and home.

I live in Florida. Do I have a legitimate concern?

First its not a good idea to piggyback your question on another thread. This can lead to confusion. So I've moved your question to its own thread.

Yes it's a legitimate concern. I suggest you pursue bankruptcy.

... am so worried that the creditors collectively will put liens on my property and home.

I live in Florida. Do I have a legitimate concern?


With certain exceptions, creditors cannot put a lien on your real property unless and until the obtain a court judgment against you. At that point they could get such liens.

But why would liens worry you? Liens are only effective should you attempt to sell or pledge the property. You should be more concerned that they, when they acquire judgments, levy upon and sell the property. They can do that if there is equity in the property and it is not "homestead" property..

I see little worry, they could attach or garnish bank accounts if they get a judgement,
Even if they put a lien on the home, it only effects it if you sell.

You need to get active and rent your duplex to have additional income. That could be used to start paying credit cards down.
Next of course cut up the cards, and don't charge another penny on them.