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-   -   Lien by credit card (https://www.askmehelpdesk.com/showthread.php?t=606504)

  • Oct 24, 2011, 01:27 PM
    nutnutim
    Lien by credit card
    I am on the deed to my mothers home can a credit card co put a lien on her home if I am not on the mortgage
  • Oct 24, 2011, 01:31 PM
    tickle
    If you are arrears with a credit card company, and the collector is threatening you with this, don't talk to them. They have to receive a judgment against you before they try to collect, and it will not be this way.

    How long have you owed this money? And what state are you in. You could be protected by the Statute of Limitations.

    Tick
  • Oct 24, 2011, 01:35 PM
    nutnutim
    I am in marion co fla and I am only behind 2 mo
  • Oct 24, 2011, 01:39 PM
    nutnutim
    Florida law on line
    Can a credit card co put a lien on my mothers home if I am on the deed only?
  • Oct 24, 2011, 01:58 PM
    concerned321
    OK here's the Short Answer " YES " they can put a lien on the property its is considered a asset and you name is on the DEED , as for the Mortgage ( This is Financing ) which has nothing to do the with the DEED
    ( Property )
  • Oct 24, 2011, 02:03 PM
    nutnutim
    Florida law on home lien
    I am on the deed to my mothers home can a credit card co put a lien on her home? I am not on the mortgage or title
  • Oct 24, 2011, 02:05 PM
    Fr_Chuck
    Being on the loan is not the issue, and I am not sure how you got on the deed without being on the loan, ( do they know it? ) But that is another legal question.

    But can they put a lien, yes, but it would take going to court and getting a judgement first and they are going to do a lot of other collections most likely first. They want money not a lien that will set for years before they could ever get money
  • Oct 24, 2011, 02:13 PM
    nutnutim
    Florida law to fr. Chuck
    I was put on the deed by a lawyer filed with the court if that helps any! I was owe approx $1000.00 and am behind 2 mo
  • Oct 24, 2011, 05:03 PM
    ScottGem
    Ok, first, please stop asking the same question multiple times. If you have a follow-up question, use the Answer box.

    As long as you are on the deed, you are a partial owner of the property. It doesn't matter whether you are on the mortgage or how you got on the deed. You are an owner and as an owner a creditor can put a lien on the asset if they get a judgment against you.

    However FL does have homestead laws that may inhibit their ability.

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