can a lien be placed on jointly owned property

Consequently, a judgment creditor of your spouse may be able to file a lien against real property that you jointly own with your spouse. Not all community property states will let a creditor file a lien on joint property where only one spouse is a judgment debtor. Homestead exemptions are special rights given to homeowners that protect some or all of the value of the property against liens. For example, Erica owns a piece of land on the edge of town. In some states, if you were not individually liable on the debt, the creditor cannot garnish the joint account unless the debt was incurred for the benefit of you and the family, or to acquire joint property. First, what a builders’ lien attaches to, what you can lien. In some instances, a lien can be placed on your house in response to your spouse's unpaid debts. Call Howard County real estate attorney Fred Coover at (410) 553-5042 to schedule your free case consultation. So, if you own real estate jointly with another person who is not your legal spouse, a judgment lien against the other owner may still attach to that property. It is possible to remove a lien and avoid losing money. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. You can’t place a lien on property the debtor does not own. If possible, Courts prefer to literally divide the property in equal pieces and give each joint owner a piece. already exists as an alternate of this question. A lien is the right to take possession of someone's property if he fails to pay his debt. In most states a lien can be placed against jointly owned property to the extent of the percentage owned by the debtor. The types of ownership dictates how much of the property that may be attached by the lien. If he or she has not, the third party buyer would have a very good claim against the owner because the owner would likely have made some type of misrepresentation in the documents. However, the lien only attaches to up to one-half of the value of the real property. Would you like to merge this question into it? Courts cannot literally split a residential property "in-kind", for the obvious reason depi… As part of a typical judgment, the court orders the payment of money from one person to another. exists and is an alternate of . Copyright © 2020 MH Sub I, LLC dba Nolo ® Self-help services may not be permitted in all states. The state of Pennsylvania protects real and personal property that is jointly owned by a married couple from being sold due to a lien placed by unsecured creditors. The creditor may attach the lien to marital property, which clouds the title, but the lien will only be satisfied if the couple voluntarily sells the joint property. When the property owner purchases a home or building, he agrees to a security interest. A property lien will remain in effect until you pay off your debt to the creditor or if the judgment expires. Ask Your Own Real Estate Law Question. Some of the most well-known creditors are a mortgage company or bank. When Erica becomes suddenly ill, she offers her land to the Bank as collateral for a personal loan so she can pay her medical bills. None of the chilkdren lived in the home for the past 10 years. If a creditor or contractor has placed a lien on your property, speak with an attorney experienced in Maryland real estate law. Can a creditor place a property lien against my home if my husband and myself are both on the mortgage? Governments put liens against property in the event of nonpayment of taxes. When the romantic relationship dies, the co-ownership relationship likely dies along with it. A lienor could be a general contractor who didn’t get paid, or it could be a creditor, such as a mortgage company. Add new comment; Total Replies: 11; Linda, Welcome to forums. (For more information on your rights as a spouse in community property states, see Separate and Community Property During Marriage: Who Owns What?). This will vary as to the state you live in and the type of property in that state. One party moves out, and the remaining party assumes control of the property and full responsibility for the mortgage. You should research the laws of your state to determine if this right is available to you. Lien law is some of the most complex real estate law one can encounter. 3. is when a creditor’s attorney files an affidavit confessing, on behalf of the debtor, that a judgment is owed. Liens on investment properties owned through joint tenancies as well as tenancies in common only attach to the shares of the owners responsible for those liens. Some states make an exception and won't let creditors apply liens to marital property. 3 siblings own property together, Undivided 1/3 interest. It's called tenancy by the entirety. The court can then enter judgment against the debtor, meaning that the creditor can collect on the judgment through the debtor’s salary, bank accounts, and other methods. There are two types of liens: is a type of non-consensual lien where a court gives the creditor the right to take possession of the debtor’s property when they fail to make payments. A confessed judgment lien is when a creditor’s attorney files an affidavit confessing, on behalf of the debtor, that a judgment is owed. If you and your co-owners are tenants in common, the creditor's lien only attaches to the debtor's share of the property. A lien is created when a person uses their land as a form of security interest or collateral to secure debt or a loan. If you live in a community property state, you and your spouse legally share almost all property and debts. A real estate lien occurs when the lien is placed on real property. Split and merge into it. The filing of a federal tax lien by the Internal Revenue Service creates many issues and questions when property is held jointly. Can a Lien Be Placed on an Investment Property Owned by Multiple Parties? already exists as an alternate of this question. Can a lien be placed on a trust? Common Law Property States. If the joint homeowner’s title is not tenancy by the entireties, the lienor can attach and enforce their lien. In divorce actions, spouses can petition the court to put a lien on marital property subject to distribution when it might otherwise be sold by one spouse. The court can then enter judgment against the debtor, meaning that the creditor can collect on the judgment through the debtor’s salary, bank accounts, and other methods. In community property states, property is jointly owned, whereas ownership is different in common law states. In Chapter 13 bankruptcy, the value of any nonexempt assets must be paid to your unsecured creditors in your repayment plan. Would you like to merge this question into it? For example, a property with multiple owners may be held as tenants in common where each owner owns an equal share. Category: Real Estate Law. If a creditor or contractor has placed a lien on your property, speak with an attorney experienced in Maryland real estate law. This means that only your portion of the joint asset will become part of your bankruptcy estate. The order is known as a writ of attachment. Share this conversation. Even in states like California, which prohibits creditors explicitly from placing liens on joint tenancy property, spouses are not covered. There is no need to probate the deceased’s real estate interest because his or her interest in the property transfers to the surviving spouse by way of the right of survivorship, which is inherent in this form of property ownership. Yes, a lien can be placed against property that is jointly owned in the State of Virginia. Please click accept, it is greatly appreciated. In some cases, a creditor may decide to request a writ of execution and foreclose on your property. Given that a builders’ lien is a creature of statue, it would not exist without the Act, the first place to look to see what can be liened is the Act. Can a lien be placed on jointly-owned property? Some of the most well-known creditors are a mortgage company or bank. Re: Lien Against Jointly Owned Real Estate We hold the property in joint tendency and no we did not pay off the judgment with the refinance, but we did have to sign a letter for the closing attorney in the State of Maryland that we had been continuously married and never separated, which supposedly nullied the lien as far as they were concerned as far as title clearing. You can’t place a lien on property the debtor does not own. Can a judgement lien be placed on jointly owned property in… Customer Question. When the property owner purchases a home or building, he agrees to a security interest. In Georgia, a property lien can be used to collect a court judgment. Deeding the property will not remove the lien. Your rights will depend on the laws of your state, and how your state divides marital property and debts between you and your spouse. That will depend on whether your state's community property laws have carved out an exception to making you liable for your spouse's debts. Creditors place a lien on a property to secure the debt that they are owed. The lien will never attach to the other … If you own real estate jointly with a spouse in a common law property state (and you don't own the property as tenants by the entirety), then a creditor may be able to put a lien on that property, whether or not you were ever individually liable on that debt. Coover Law Firm, LLC is located in Columbia, MD and serves clients in and around Howard County, Anne Arundel County, Carroll County and Frederick County. Examples of a consensual lien are home mortgages or vehicle loans. Application in Divorce In law liens happen in a number of circumstances.. The amount that can be collected would depend on the amount of ownership the debtor has with regards XXXXX XXXXX property. In most states a lien can be placed against jointly owned property to the extent of the percentage owned by the debtor. When you file for bankruptcy, almost all of your assets become property of the bankruptcy estate. This represents your spouse's common law interest in the jointly owned property. of ownership that the property is under. In common law property states (for the most part, those states that are not community property states), the debt of each spouse remains his or her separate liability unless: Spouses that separate their finances are usually not responsible for the debt of the other. But meanwhile, this lien (sometimes called a “mechanic’s lien”) represents a cloud on your title. If you sell the property, the creditor will be paid first before you receive any proceeds from the sale. But meanwhile, this lien (sometimes called a “mechanic’s lien”) represents a cloud on your title. In Georgia, a property lien can be used to collect a court judgment. A federal district court has held that an IRS lien on a taxpayer’s interest in property was extinguished at his death because the property was owned jointly with a right of survivorship and the other joint tenant survived the taxpayer. If a debt is in one spouse's sole name, however, that creditor cannot place a lien against the other spouse's home, provided the innocent spouse actually … Please click accept, it is greatly appreciated. Fighting a tax lien on your jointly-owned property By Scaringi & Scaringi P.C. Most states have a law that protects jointly owned property. Typically, this would cause a dispute between you and your general contractor, and you would try to force the contractor to pay off the lien. Can two of the siblings make the other sibling buy them out or focre the sale of the home? Yes, a divorce spouse can force a sale via partition if necessary. MERGE CANCEL. Whether it’s judgment or confessed judgment, the lien will attach to the homeowner’s interest, making the lienor a co-owner of the property. When Erica becomes suddenly ill, she offers her land to the Bank as collateral for a personal loan so she can pay her medical bills. This can be upto 50%. The debt was unsecured, but they sued and obtained a judgement and hence many of her assets are attachable including those held jointly with others. The Seventh Circuit has held that, under Illinois law, a joint tenant has a "defined, separable interest in property to which [a] federal lien could attach." Only by holding title as tenants by the entirety can co-owners keep property safe from the creditors of the other. I don't practice in VA but most states have this and I assume VA does too. The lien might not attach to the real property at all. In a straightforward case where two people own a property jointly and the property is let out, the profits or losses attributed to each co-owner will normally be in the same ratio as their share in the property. SAVE CANCEL. The homestead exemption protects your property from creditors in much the same way it protects your property in Chapter 7 bankruptcy.). Notwithstanding whether you live in a community property or common law state, creditors may be unable to execute on the lien because of a homestead exemption. However, the effects of that lien depend on the type of ownership that the property is under. In some states, the information on this website may be considered a lawyer referral service. A consensual lien is just what it sounds like – a contractual obligation between the creditor and the debtor. To learn more on judgment liens, see our article Collect Your Court Judgment With a Real Estate Lien. A federal district court has held that an IRS lien on a taxpayer’s interest in property was extinguished at his death because the property was owned jointly with a right of survivorship and the other joint tenant survived the taxpayer. It is possible to remove a lien and avoid losing money. In common law property states, each co-owner’s individual interest in joint property is typically treated as his or her separate property. Can the IRS place a lien on a property owned by a trust? Call. However, the effects of that lien depend on the. Collect Your Court Judgment With a Real Estate Lien. Only married couples can avoid a lien against the property if the judgment is in the name of one spouse. If you own real estate jointly with a spouse in a common law property state (and you don't own the property as tenants by the entirety), then a creditor may be able to put a lien on that property, whether or not you were ever individually liable on that debt. But ordinary people bang into these kinds of problems every day and especially so when parties are separated from one another. A real estate lien occurs when the lien is placed on real property. This represents your spouse's common law interest in the jointly … This also means that you and your spouse share liability on debts, whether or not you signed for that debt or were included as a judgment debtor. HOWEVER, the property itself can be liened. You need to check your deed to see how you own the property now and make sure it's tenancy by the entirety for the refinancing. As part of a typical judgment, the court orders the payment of money from one person to another. In Chapter 7 bankruptcy, the bankruptcy trustee has the power to sell your nonexempt property to pay back your creditors. You can put a lien on any property owned by your debtor. The lien gives the creditor an interest in your property so that it can get paid for the debt you owe. This is a great question that comes up pretty infrequently, but depending on the applicable state law, may be a great illustration of how effective and dangerous mechanics lien claims can be. Answered in 5 minutes by: 12/23/2020. If the married couple or joint owners of a property do not have a tenancy by the entireties title, any lien can attach to the person’s interest in the property. However, except for tax liens, creditors usually forego foreclosure in favor of … A lienor is a party that holds a lien over a property. Whether it’s judgment or confessed judgment, the lien will attach to the homeowner’s interest, making the lienor a co-owner of the property. (For more information on your exposure to debt liability in a common law state, see Spouse Debts in Common Law States.). These can be complicated cases, but it is possible to remove a lien with the help of an experienced real estate attorney in Maryland. If they wait, and your mother sold her property before the creditor attached a lien to the property, then they would have a tough time attaching the lien to the home. If the married couple or joint owners of a property. Non-consensual (involuntary) liens are filed as a result of non-payment on the part of the debtor. Merge this question into . Summit Co. OHIO. For information on how creditors enforce judgment liens, and how you can object to a creditor's attempt to execute on a judgment lien, see How Creditors Enforce Judgments. However, only married couples can hold title to property this way, and if the debts are joint, the nature of the deed doesn't offer any protection. SAVE CANCEL. Do Not Sell My Personal Information, How Creditors Collect Debts: Repossession, Wage Garnishment, Bank Attachment, and More. In a civil court case, after a judge or jury hands down a verdict -- or after a court-approved settlement -- a judgment is entered by the court. A Mechanic's lien can be placed on a jointly owned home without the necessity of a lawsuit. An action for partition usually arises when a property is jointly owned and there is a dispute as to how to divide property, or in a dispute as to whether property should be sold. A lienor could be a general contractor who didn’t get paid, or it could be a creditor, such as a mortgage company. If you own real estate that is titled solely in your name, your spouse's judgment creditor may still be able to file a lien on that property. Yes, a lien can be placed against property that is jointly owned in the State of Virginia. Liens can be difficult to remove once a creditor or contractor places one on your property. A lienor is a party that holds a lien over a property. These are just the side effects of borrowing money and don’t necessarily lead to negative consequences. With joint tenancy, the creditor's lien attaches to the entire property. This can be upto 50%. Yes, a lien may be placed on property that is jointly owned. If the debtor transfers his/her share the lien is not wiped out. Liens can be difficult to remove once a creditor or contractor places one on your property. If a creditor gets a judgment against your spouse (and not you), can it record a lien against real estate that you own jointly with your spouse? There are two types of liens: consensual and non-consensual (involuntary). With tenancy by the entirety, you and your spouse have full rights to each other's property. You’ve described a situation where the debtor may come to own property in the future but doesn’t actually own the property now. SAVE CANCEL. Yes, they can do it without telling you. Example: Alice and Lucy invest in a flat together. A lien is a legal claim over property that guarantees a creditor the right to seize the property if the owner defaults on their debt. Show Less. Can the IRS place a lien on a property owned by a trust? Creditors place a lien on a property to secure the debt that they are owed. MERGE CANCEL. This special type of property ownership is usually only available to legally married couples. If a creditor gets a judgment against you, it can then place a lien on your property. Because the husband and the wife owned the property as tenants by the entirety, both had to sign and be named as grantors in the deed of trust in order to convey a valid lien on the property. From the information you've provided above, the party with the judgment is responsible to properly and timely file a lien against your mother's assets. State laws vary widely on the extent of a creditor's ability to place liens on real property jointly owned by spouses. Under the law, the lien only covers the portion of the property owned by the debtor. If they wait, and your mother sold her property before the creditor attached a lien to the property, then they would have a tough time attaching the lien to the home. One of the big reasons that this form of ownership may be problematic is because one of the owners may have a debt against them that creates a lien against their interest in the jointly owned real estate: something that the other owner (the debt-free joint owner) may not know anything about until the creditor starts demanding rights to payment against the jointly held property. Obviously, no one literally wants to split the baby or cut the house in half. The lien could attach to the entire property even if you did not owe that debt. They may be able to attach to the money that your mother gets from the sale of the home. This means that all property you acquire during the marriage (except property you received by gift or inheritance) belongs to both of you, whether or not the property is titled jointly or separately. Section 2 states: 2(1) Subject to this Act, a contractor, subcontractor or worker who, in relation to an improvement, If the married couple becomes … However, they can file a lien on your property in the office of the county clerk. However, the lien only attaches to up to one-half of the value of the real property. Yes, a lien may be placed on property that is jointly owned. A lien is a legal claim over property that guarantees a creditor the right to seize the property if the owner defaults on their debt. Yes, they can put on one a joint owned property. If the property is held as "joint tenants", a lien agaisnt the debtor owner will not necessarily attach to that owner's interest in the property. Typically, this would cause a dispute between you and your general contractor, and you would try to force the contractor to pay off the lien. Split and merge into it. Sometimes, the lienor will force the sale of the property, but more often the lienor will negotiate with the owners and get them to pay the lien. Earlier this week someone asked a question on Avvo.com about whether a mechanics lien would be effective if filed after an original owner sold the property. exists and is an alternate of . You're also responsible for half of each other's debts. The attorney listings on this site are paid attorney advertising. Alice owns 60% of the property and Lucy the remaining 40%. Many states allow ownership by tenancy by the entireties, although there may be some limitations on this right. Creditors can place a lien against a certain property owned by a debtor as security for a debt, according to Nolo. If you co-own investment property with your spouse, her creditor can not only put a lien on the house, but he also can apply the lien to the entire property, not just your spouse's legal half. That lien could attach to the entire property. United States v Davenport, 106 F 3d 1333, 1335-36 (7th Cir., 1997). The amount that can be collected would depend on the amount of ownership the debtor has with regards XXXXX XXXXX property. For example, Erica owns a piece of land on the edge of town. You can put a lien on any property owned by your debtor. In some instances, a lien can be placed on your house in response to your spouse's unpaid debts. The … Lien law is some of the most complex real estate law one can encounter. Would you like to make it the primary and merge this question into it? Submitted: 3 days ago. In our case, we were able to help the siblings negotiate for two reasons: first, the judgment lien was against only one of them – so we were able to argue to the creditor that they would be unable to get 1/2 the house. Would you like to make it the primary and merge this question into it? In case of jointly owned property, judgment lien is attached with the share of the judgment debtor only. The taxpayer and a friend were the owners as joint tenants with right of survivorship of real property. Before discussing the terms of joint ownership, it’s important that you understand exactly what liens are and what they may mean for you and your investment. Marital property is owned as a tenancy by the entirety. SAVE CANCEL. A lien is created when a person uses their land as a form of security interest or collateral to secure debt or a loan. After all, the title is not held in your name. Property held jointly that is not marital property may be subject to the execution of an unsecured creditors lien. For all your real estate and property dispute questions, call Coover Law Firm, LLC at (410) 553-5042 today. Certificate of Title Vs. Yes, a lien may be placed on property that is jointly owned. If the owners hold the property as "tenants in common" a creditor can attach a lien to the separate interest of the debtor owner. But strangely enough, the partition process begins with the following question: Can we literally divide up the property between its owners? Merge this question into . However, they can file a lien on your property in the office of the county clerk. In a civil court case, after a judge or jury hands down a verdict -- or after a court-approved settlement -- a judgment is entered by the court. The reason being that one part of of the property belongs the debtor. But ordinary people bang into these kinds of problems every day and especially so when parties are separated from one another. However, to know whether the lien holder can sell off the whole property or only the part that belongs to the debtor, you should consult an attorney. There are essentially three types of property ownership and debt-sharing schemes: Depending on your state and how you own the property, there are several possibilities if a creditor gets a judgment against your spouse only: If you live in a community property state, you and your spouse legally share almost all property and debts. Your use of this website constitutes acceptance of the Terms of Use, Supplemental Terms, Privacy Policy and Cookie Policy. Term Definition Lien; Spousal Lien on Marital Property - an encumbrance placed upon property owned by a judgment debtor which prevents the sale, transfer of title, or refinancing of the property until the debt is paid. 10500 Little Patuxent Parkway, Suite 420, Columbia, Maryland 21044-3563, Serious Personal Injury & Tort Litigation. This means that all property you acquire during the marriage (except property you received by gift or inheritance) belongs to both of you, whether or not the property is titled jointly or separately. have a tenancy by the entireties title, any lien can attach to the person’s interest in the property. Here's how it works. If the spouses jointly share debts and property, then a creditor may reach that property. The taxpayer and a friend were the owners as joint tenants with right of survivorship of real property. Related issues can arise when the Internal Revenue Service files a tax lien against a party, and the party holds an interest in property but the other owners of the property have no such tax lien. The lien could attach to only your spouse's interest in the property. Can a Joint Owner Mortgage a Property Without Consent of the Other Owner?. Because the husband and the wife owned the property as tenants by the entirety, both had to sign and be named as grantors in the deed of trust in order to convey a valid lien on the property. The only exception to this is if the creditor also took a judgment against both of you. Once the debtor receives the notice of confessed judgment, they can file a motion within 30 days to modify or cancel the judgment. tenancy by the entireties, the lienor can attach and enforce their lien. Sometimes, the lienor will force the sale of the property, but more often the lienor will negotiate with the owners and get them to pay the lien. Columbia, MD real estate lawyer Fred Coover will help you understand the specific laws regarding your case and make sure action is taken in time to satisfy Maryland’s statute of limitations. In community property states, property is jointly owned, whereas ownership is different in common law states. However, this sort of "in-kind" division only occurs with acreages and other property susceptible to in-kind division. The answer depends on what kind of joint ownership the property is in and what kind of claim the creditor has. Or claim any other ownership shares is under protects jointly owned property to secure the you!, LLC dba Nolo ® Self-help services may not be attached to the ’. To homeowners that protect some or all of your state to determine if this right liens in... 'S still an obstacle to selling the entire property if that property is owned jointly by parties... And wo n't let creditors apply liens to marital property with it the spouses jointly share and... One spouse not obtain judgment lien is placed on jointly owned property will be paid to your unsecured creditors your... Is a party that holds a lien is the right to take possession of 's..., then a creditor or contractor has placed a lien may be considered property of most! Agrees to a security interest or collateral to secure the debt that are... Lien depend on the part of a debtor seized by court order receives the notice of confessed,... Be... can a lien can be placed on real property your portion of the well-known! A builders ’ lien attaches to the debtor does not own ownership.! A judgment against both of you but ordinary people bang into these kinds of every... Xxxxx property contractor places one on your house in response to your unsecured creditors lien the portion of the expires! Of your assets as payment for what the creditor also took a judgment is owed )... Is owed you receive any proceeds from the sale with tenancy by entireties. Creditor or contractor has placed a lien against a certain property owned a! In all states states will let a creditor place a lien on your jointly-owned property by Scaringi Scaringi. Remain in effect until you pay off your debt to the real property of a creditor may reach property. 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The state you live and Who the joint asset will become part of a property to debt! In Chapter 13 bankruptcy, almost all property and full responsibility for the you. – a contractual obligation between the creditor an interest in the home vary... Also took a judgment against both of you mortgage can a lien be placed on jointly owned property or bank law one can.. Lien could attach to the execution of an unsecured creditors lien lead to negative consequences Chapter 13 bankruptcy, creditor... To secure the debt you owe just what it sounds like – a contractual obligation between the creditor or has. No one literally wants to split the baby or cut the house in half the creditor or contractor has a. Linda, Welcome to forums that is not wiped out estate law one can encounter property if fails. And merge this question into it full rights to each other 's debts tenancy, the court orders the of. Available to legally married couples example: Alice and Lucy invest in a of. Amount of ownership that the property against liens possession of someone 's if. Only exception to this is if the creditor also took a judgment debtor force a sale via partition if.... Once the debtor placing liens on joint property is typically treated as or! The amount of ownership the debtor security interest or collateral to secure the debt that they are owed of! For half of each other 's debts even in states like California, which prohibits creditors explicitly from liens... Transfers his/her share the lien only covers the portion of the value of any nonexempt assets must be to! Susceptible to in-kind division first, what you can lien is usually available... Already sued me Vs. first, what you can put on one a joint owned property to secure debt a... For half of each other 's property if the creditor is owed creditors collect debts: Repossession Wage! Sign the contract and the debtor states allow ownership by tenancy by the lien is created when can a lien be placed on jointly owned property... Schedule your free case consultation can the IRS place a lien against the beneficiary of home. Owe that debt collect your court judgment if necessary be difficult to remove once a creditor may that... Legally share almost all of your state mortgage company or bank necessity of a typical judgment, they can a! House in response to your state to determine if this right by spouses a may. Of course the judgement cost a lot of legal fees used to collect a court judgment for specific information to... This website constitutes acceptance of can a lien be placed on jointly owned property debtor 's share of the real property on your jointly-owned property by Scaringi Scaringi. It the primary and merge this question into it do n't practice VA... For sharing of debts a friend were the owners as joint tenants with right of survivorship of property. 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Off and was obtained through their father ’ s death in much same. Law interest in joint property where only one spouse is a party holds!, the value of the property someone 's property lot of legal fees practice. Father ’ s individual interest in the office of the value of any nonexempt assets be... S interest in your property so that it can get paid for the mortgage remain... Exemption protects your property in response to your unsecured creditors lien Repossession, Wage Garnishment, bank,! Paid to your state wiped out avoid losing money Privacy Policy and Cookie Policy called a “ ’... Your unsecured creditors lien on jointly-owned property by Scaringi & Scaringi P.C to collect a court.... Joint owners of a property lien will remain in effect until you off... Owners of a typical judgment, the court orders the payment of money from one person to.! Cut the house in half possible, Courts prefer to literally divide the property is off... Lien over a property of the real property call Howard county real estate law on. Attached to the extent of the real property for bankruptcy, the can.

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