Who Can Put A LIEN on Your HOUSE? Esphir Popilevsky
Who Can Put a Lien on Your House Without You Knowing?
Did you know that someone could legally claim your home without your permission—and it’s not just the bank? This legal claim is called a lien, and the scariest part is that you might not even know it’s there.
If you’re in debt and own a home, this could already be happening to you. In my latest video, I break down who can put a lien on your property and which types could lead to foreclosure faster than you think. Whether it’s a surprise lien or a lien that’s been building up, this information could potentially save your home.
What is a Lien?
A lien is a legal claim against your property because of a debt that you owe. It gives someone else the right to claim your home as collateral. Not all liens are created equal, though. Some are voluntary, like your mortgage, which you agreed to when you took out the loan. But others—like tax liens or mechanic’s liens—can be placed on your property without your consent, and these are the ones that could threaten your home.
The Most Dangerous Liens
- Tax Liens: Owe property taxes or income taxes? The government can file a lien against your property without warning, and if you don’t pay up, they can take your home and auction it off to cover the debt.
- Mechanic’s Liens: If you’ve ever hired a contractor and didn’t fully pay them, even if you’re disputing the work, they can file a mechanic’s lien on your house. Imagine discovering this only when you’re about to sell!
- Judgment Liens: These occur when a creditor, like a credit card company or hospital, sues you for unpaid bills. If they win, they can place a lien on your home, giving them the right to claim your property.
Protecting Your Home
If you’re behind on mortgage payments or suspect a lien might be placed on your home, the key is to act fast. Contact your lender, negotiate with contractors, or seek legal help before things spiral out of control.
In my video, I dive into each of these liens in more detail and share what you can do to protect your property. I’ve helped countless homeowners deal with unexpected liens, and I want to help you, too.
Watch the full video here: Who Can Put a Lien on Your House? to learn everything you need to know about protecting your home from liens.
And don’t miss my next video, where I answer a critical question: Do You Get Any Money If Your House Is Foreclosed? It’s a must-watch for anyone dealing with debt and foreclosure risk.
I’m Esphir Popilevsky, your trusted real estate expert, and I’m here to help you navigate these challenges.
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Esphir Popilevsky NY & NJ Licensed Real Estate Broker
NY: Supreme Home Sales, Inc. 44 Robin Ct. Staten island, NY 10309 718.689.4737 Cell: 917.579.4455
NJ: DreamLife Realty supremehomesales@gmail.com https://www.supremehomesales.com
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