You would have received many past due notices regarding your bills.
You would be sent legal notice when the creditors file a lawsuit to recover in your local court.
The court will notify you of the lawsuit and the dated of the hearing.
If you don't attend the hearing, the creditor will win a default judgment for which you will receive notice.
The creditors can use the judgment to seize your property to satisfy the lien.
Ideally you would have been served with official notification of the liens or judgements. However, this does not always happen. To search for liens on your major properties, you can do a title search on your deed (for your land and house) and title (for your vehicles). You can also request your free annual credit report from the three credit rating bureaus (Experian, Equifax and TransUnion) to see if anything unexpected shows up.
No. A judgment has to be docketed for there to be a liens. This, of course, is referring to civil or small claims financial judgments.
You cannot have liens or judgments removed unless you write the credit bureaus and give them a copy of your discharged bankruptcy. Some liens and judgments will not need to be paid but will still remain on your credit report.
None
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When transferring title from one owner to another, all liens or judgments should be cleared prior to transfer or you will not be able to insure properly
The government has statutory powers to place liens against property: local, state and federal liens can be recorded without court judgments. A court decree may be required to foreclose on those liens, take possession and sell the property.
The types of liens that are common junior liens are mortgages filed after the first, Home equity lines of credit (HELOC), mechanic's liens, back child support payments, property taxes, past due HOA assessments, dues and fees, IRS, court judgments (if they are attached to your property by a judge). If the first mortgagee successfully forecloses on a property, all liens attached are wiped out except for property taxes, IRS liens, and child support.
yes, because the majority of judgments and liens attach to the person, not necessarily the land; however the liens do attach to any land owned by the person ==Clarification== Not all jurisdictions recognize priority of recorded judgment liens as to after-acquired property. In Massachusetts recorded federal and state tax liens affect after-acquired property, judgment liens do not.
You should make sure of the situation before signing on the dotted line--the title company should have provided a clear title (no judgments, liens and so on).
Most property liens, except local tax liens, expire after the statute of limitations has run. You would need to check the laws in your jurisdiction for the particular lien to determine how long it can be effective.
The local register of deeds should have an index of liens, foreclosures and other judgments against properties recorded there (for the municipality or county).
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