Best Answer

No. Collection agencies (or any other agency/organization that lends money) cannot place liens on property that is not owned by the debtor. If they could, then what would stop them from placing liens on just anyone's property?

In order for them to place a lien on a property, the person must be on title. Of course, there might always be some lawyer out there who might beg to differ and try to take it to court...but then again...if they're willing to take the debtor to court, they can just have a judgment placed against them by the courts.

User Avatar

Wiki User

โˆ™ 2011-09-12 14:40:26
This answer is:
User Avatar

Add your answer:

Earn +20 pts
Q: Can a collection agency place a lien on a home if the mortgage and the deed aren't titled to the person owing the debt?
Write your answer...
Related questions

Can you get a second mortgage with only one signer?

You need to go and see a mortgage broker. However if there is already a mortgage on the house with two signatories, it is unlikely that you will be able to get a second mortgage without the agreement of the second signatory as it will affect their primary mortgage. It will also depend on the property deed. If the land is titled to a single person, that person can obtain a mortgage. Note that a spouse is considered to be on the title even if it isn't printed there in most jurisdictions.

What happens to a mortgage loan when the sole loan holder dies and the property is titled Joint tenants with full rights of suvivorship?

The mortgage obligation remains on the property. If the holder of the mortgage dies then her heirs own the mortgage.

Who is the author of the book titled 'Time'?

Andy Goldsworthy. It's a collection of photographs.

When was if by Rudyard Kipling written?

If was written as part of a collection titled "Rewards and Fairies" in 1910

What year was rudyard kipling's poem if written?

In 1910 as part of a collection titled "Rewards and Fairies"

A collection of Mr Starr's malapropisms might be Hinky-Pinky titled...?

Ringo's lingoes

Who gets the check from ins co when a car is totaled The titled owner or the person who has the insurance?

The titled owner

Ernest Hemingway was he a poet?

A collection of Ernest Hemingway poetry titled 88 Poems was published in 1979.

Which politician has written a collection of poems titled 'Amar Aag Hai'?

atal bihari bajpai

If you legally buy your husband out of your mortgage and change your will can he still be entitled to claim anything before your divorce?

This depends what other assets you may have.Added: You say that you bought him out of the mortgage - but you don't mention anything about how the property is TITLED or DEEDED. If you die while he is still married to you and is still on the title and/or deed, he may be entitled to the property depending on how it is titled in your state.

Who is responsible for deceased fiances debt when owing a house together?

Since the couple were not married the surviving person is only responsible for joint debts only. The status of the home ownership depends upon how the property is titled and the terms of the mortgage agreement.

I need to know current VA mortgage interest rates. Where can I locate this information on line?

A website titled, "" gives great information on Virginia mortgage rates and even lets you compare to other locations. Check it out!

Under what pen name did Edgar Allan Poe publish his first collection of poetry?

Poe did not use a pen name to publish his first collection of poetry. That collection, titled "Tamerlane and Other Poems" was published anonymously. The author was "A Bostonian."

Who founded the company CCJ mortgages?

There is no company titled CCJ mortgages. CCJ stands for County Court Judgement. You can get a loan with a CCJ for a mortgage. This is called a CCJ mortgage. Since no company named CCJ Mortgages exist, there is no information on a founder.

What if two people own the land and the foreclosure is in only one name?

It depends on how the real property is legally titled and recorded in your jurisdiction. If the foreclosure notice is in one name only, it is probably in the name of the debtor whose name appears on the loan/mortgage. IF two people actually do own the property, then the notice MAY be legally insufficient for the lender to actually foreclose on the property in question.Another PerspectiveIt depends on who owned the land at the time of the mortgage and who signed the mortgage.If two people owned the land at the time of the mortgage and only one signed the mortgage then the lender only has a one-half interest. It cannot foreclose on the interest of the owner who didn't sign.If one person owned the land and signed a mortgage and then transferred a half interest to another person, that other person received their interest subject to the mortgageand the bank can foreclose and take possession of the property if the mortgage isn't paid. In addition, once an owner of property has granted a mortgage the "due on transfer clause" in the mortgage prohibits any transfer of title without notifying the bank. If the bank finds there has been a transfer of any interest by deed, it can demand payment in full of the mortgage balance immediately.

When did Rudyard Kipling start writing?

He published his 1st work at age 23 (1886). It was a collection of verse titled Department Ditties.

If you are on the title of a house and the mortgage holder dies are you responsible for the mortgage if you are not associated with the estate?

If you wish to keep the property you will likely be required to refinance it and take on the financial responsibility depending upon how the property is titled and the probate laws of the state in which the property is located.ClarificationIf the decedent "holds" the mortgage ( as a mortgagee) then the answer is yes. The mortgage is an encumbrance on your property and it must be paid according to the terms of the mortgage. The heirs of the mortgagee now own your debt. You will need to make payments to those heirs. If instead the decedent granted a mortgage to a lender when they were the owner of the property, and you acquired your interest after the mortgage was granted, that mortgage must be paid or the lender can take possession of the property by a foreclosure.

What was Edgar Allan Poe's first book?

Poe's first published work was a short collection of poems titled "Tamerlane and Other Poems"

Which Transcendentalist author is best known for writing The Scarlet Letter and a collection of short stories titled Twice Told Tales?

Nathaniel Hawthorne

How does one login to their Wells Fargo mortgage account?

To log onto a Wells Fargo mortgage account, the customer must first set up an online account. To do this click on the link titled new user. After an account is set up, follow the instructions to log in.

Is lil rob the chicano rapper dead?

Lil Rob is not dead, he is continuing to make music and released an album titled "Oldies Collection" in 2010.

Can you refinance a mobile home that is consider real property if it has never been titiled?

You cannot refinance something that did not have a mortgage to begin with. A bank will not work with non titled real estate.

What the name of the person who is responsible for recording the dictates of a God or kings?

Usually they are titled as scribes.

How do you sell a car in a state that it is not titled in?

either buy check,cash or money order. but also if you are selling it to an individual from another state a person could get it titled in that state for a fee.

What was the Bealtes biggest album or CD?

In terms of sales I believe it was a re - released collection from the year 2000 titled "1". from their original releases it was... "Abbey road".