Video Summary
Can a credit card company put a lien on my house if I do not pay them? The answer is no. An order for a credit card company to even have a judgment lien, they must first file a lawsuit against you many times. If it’s a smaller amount under $15,000, they can go to small claims court and if they receive a judgment, they must then record a certified copy of the judgment and the public records or wherever you own any real estate, for it to be a lien against that real estate. However, that judgment lien does not attach to your home. No liens except, mortgages and construction liens, homeowners association liens attached to your house during your lifetime. And that’s pursuant to the Florida Constitution. So a credit card company’s judgment does not attach your house. You don’t have to pay that credit card judgment at the time you sell your home, and even when you pass away, if you leave your home to your relative or a blood relative, then they don’t have, they’re not obligated to pay the creditor, any judgements that the creditor may have as far as the house is concerned. Do you have any questions about this? Give me a call at (727) 847-2288.