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If you do not have an Owner's Title Insurance Policy (meaning an Owner's Policy you took out when you bought the property OR the current owner's Back title if this is a property you are buying), you as the current owner, or the seller as the currentowner, will need to clear prior owner's chain of title. This is one of the reasons it is very important to have the property searched before you buy and to make the small investment into Owner's Title insurance. If the liens are judgments (meaning the prior owners actually had court proceedings filed against them), you or your attorney will need to contact the creditors to find out if the debt was ever paid. Sometimes common names come up in the title search that are not actually your party to the chain of title - In most states lien automatically attach to the property, not the person. Therefore, even though the liens are not yours, they do belong to the property. If you are the owner of the property and you HAVE an Owner's Policy, it is a claim against the title agency and underwriter who did the initial searches and issued the policy. You would go back to them for remedy as they should have caught this when you were buying the property and before they insured.

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Q: You have liens against your property that are not your debts the title search company found this during a title search what can l do?
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