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Can a credit card issuer place a lien on your house if you are not paying at their rate in Virginia?



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If you mean, not paying at least the minimal amount required by the lending agreement, then yes, a creditor can pursue litigation against the debtor. If awarded a judgment in most cases can use it as a lien against real property that the debtor owns. It is a myth that as long as a debtor makes some type of payment and the lender accepts it that the lender cannot refer the account to collections or file a lawsuit.