Simply put, a property lien is a right that a property owner or the law gives to another person or authority when he/she takes a loan. For example, if you are taking a loan of $100,000 from a bank, the bank needs to have some kind of security to make sure you will pay the loan. So, you give bank the papers of your house and with them, the right to sell your house as collateral in case you are unable to pay the debt within the agreed time. To begin a Property Lien Search online, use the above form.
This is how creditors generally get their money back –– mortgages are the best example of this.
In the United States, a lien is considered as a public record filed with the county records office.
While there can be several methods to collect such debts, one should ensure that they comply with the law. Here’s how you can do that:
To remove a lien from your property, you can opt for any of the following ways:
The simplest way to get the lien removed from your property is to pay the debt. This will automatically remove the lien.
A court can remove a lien that was obtained through unlawful means or by providing wrong information to the court. If a debtor successfully proves that the lender misguided them while obtaining the lien, the court may order for the lien to be removed.
If a debtor proves in court that the lien holder is threatening him/her or using other wrong means to demand more money than he gave as loan, the court may remove the lien to punish the lien holder.
Many a times, people are fraudulently sold properties that have liens attached to them and the buyer only learns about it after taking over the property. To ensure that you do not fall prey to this trap, do check any property for a lien before buying it.
Searching online public records is the easiest way to find this information. Search Quarry is a public records website that allows users to search through all kinds of public records, including lien records, with just few clicks.