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A lien cannot be placed against an individual in reality. However, a judgment creditor such as a credit card company can place a lien against real property owned by a judgment debtor. The judgment creditor can take other steps as well to collect the debt, an example would be income garnishment.

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βˆ™ 2010-04-08 18:41:49
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Q: Can a credit card company put a lien against you?
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Can a credit card company file a judgment lien against your house if there is no equity in the property?


Can a credit card company put a lien against your property in North Carolina?

Yes, if they file suit and receive a judgment the creditor can execute the judgment as a lien against the debtor's property.

If credit card company has a judgment against you can they intercept income tax return?

No, unless the refund is directly deposited into your bank and the credit card company has a judgment and files a lien on your account. Not legal in many states.

If you file bankruptcy after being sued by a credit card company is the judgment against you removed?

Yes, if it is not a perfected lien against real property and the debt was discharged in the bankruptcy.

Can a credit card company put a lien on a house that you own with another person or by yourself to try to collect their money?

It depends. Some credit cards come to you as equity loans (you activate the card, it gives you a limit on the card equal to the equity on your house) and if you don't pay off the loan, the house belongs to the company. If it is a regular credit card and you don't pay, they may take you to court and win a judgment against you. That would allow them to put a lien on the house in the amount of the judgement. So, to answer your question, yes, there are ways that a credit card company can put a lien on your house.

Can a credit card company put lien on your property in California?

Yes, if the lender sues the borrower and receives a judgment that judgment can be implemented as a lien against real property belonging to the judgment debtor.

Can a person with just lifetime rights on a deed be sued by a credit card company?

I mean is can the house have a lien put on it by the credit card co.?

Can a credit card company or collection agency put a lien on your home before first taking you to court or can they get a judgment against you with out you knowing about it first?

No. Court is a must

Can a credit card company freeze your bank account?

A credit card company cannot freeze your bank account. However, it can sue you in court for any overdue balance. If the credit card company is successful, the court will issue a judgment lien that the creditor can use to freeze your bank account and seize any money you have on deposit. In fact, the judgment lien can be used to seize any assets you own to satisfy the lien.

Can a credit card company put a lien on your house in North Carolina?

Yes, a credit card company can put a lien on your bank account or your house in North Carolina. They would have to go to court and obtain a judgment and will probably not do this unless you owe a large amount.

Does a credit card property lien expire?

Unfortunately, some states do allow for this to occur. The credit card company usually renews the lien and adds the cost of the renewal to the lien. It is better to pay off any bad debt you have obtained before this situation.

I own a home and my mother resides in another home on the property her debt is showing as lien against the property but she doesn't have the house in her namecan a credit card company do that?

If it is credit card debt, the lien is invalid, but if you or your mother ignored a complaint about the debt and failed to object to the lien, you may have to do something about it in the court that granted the lien. If you live in a state where a credit card lien can be obtained without a court order, you will have to take some other legal action. If you fail to have the lien removed, it will come back to haunt you if you want to refinance or sell the property, or if you die.

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