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    nutnutim's Avatar
    nutnutim Posts: 6, Reputation: 1
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    #1

    Oct 24, 2011, 01:27 PM
    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
    tickle's Avatar
    tickle Posts: 23,796, Reputation: 2674
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    #2

    Oct 24, 2011, 01:31 PM
    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
    nutnutim's Avatar
    nutnutim Posts: 6, Reputation: 1
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    #3

    Oct 24, 2011, 01:35 PM
    I am in marion co fla and I am only behind 2 mo
    nutnutim's Avatar
    nutnutim Posts: 6, Reputation: 1
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    #4

    Oct 24, 2011, 01:39 PM
    Florida law on line
    Can a credit card co put a lien on my mothers home if I am on the deed only?
    concerned321's Avatar
    concerned321 Posts: 8, Reputation: 2
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    #5

    Oct 24, 2011, 01:58 PM
    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 )
    nutnutim's Avatar
    nutnutim Posts: 6, Reputation: 1
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    #6

    Oct 24, 2011, 02:03 PM
    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
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #7

    Oct 24, 2011, 02:05 PM
    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
    nutnutim's Avatar
    nutnutim Posts: 6, Reputation: 1
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    #8

    Oct 24, 2011, 02:13 PM
    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
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
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    #9

    Oct 24, 2011, 05:03 PM
    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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