How To Find Out If There Is A Lien On A Property
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- čas přidán 23. 07. 2024
- Joe Crump shows you how to find out if there is a lien on a property and what to do about it if there is. Learn the different kinds of liens - involuntary vs voluntary - tax liens, judgment liens, mechanic liens. Liens because of child support, unpaid HOA dues and unpaid utilities.
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To see how to find liens, skip to 5:20. Everything before that is just a tutorial on what liens are and how they get put on properties.
Dude, thanks for this video. I took a course and all the lady said was "check that the property has no liens" with no context so I really appreciate this video. Thank u so much!
Great information sir. Your voice is very soothing and easy to listen to.
BenzoB omg I thought the same thing and immediately subscribed
Yes and his face 😀
He is another Parasite ... who recommends a Courthouse Tax sale as a great investment.
Joe!!!! This is really good stuff man!! I’ll be brushing up on all your videos now that I found your channel and have seen how knowledgeable you are. Are you still doing subject to deals??id love to pick your brain about a situation that I’m in involving a sub to. Thanks a ton Joe!! Really good stuff man!!
Man the way you explain things is wild. Thank you so much!!!
You deserve much more credit and views. You're doing a great job with these videos. A lot of the other teachers out there are aiming for scare tactics
Thanks Matthew.
I soooooooooooo agree with this comment.
True.
He is providing valuable information and anecdotes wish I like but the title and the content are not aligned and that could hurt the organic development of the video… The title should be “What Is a Property Lien”
@@joseph4176 so a lien is a debt
Yes I paid my house off 5 years ago and I've been renting it off the school district ever since.
lol - Unfortunately, the two certainties of life - death and taxes. We strive in vain to delay the first one and reduce the second.
Joe Crump you are incredible !! for many reasons but most of all it's the way you deliver your information with passion and
details with some story examples. that makes it very enjoyable and easy to remember. You are certainly a teacher at heart. thank you so so so much and i'm recommending your youtube channel to everyone i know!!!!!!!!! 😀👍🏻
so glad I found this video. great explanation. Thank you!
You are the real MVP. Priceless information. Thank you sir.
Thank you!
Simply explained and to the point video.
Excellent contract verbaige for contractors, line items w/$. Thanks for sharing.
Thank you so much, great info
With all due respect you remind me of my grandpa RIP
That sounds like a high compliment - so thank you. I have wonderful memories of my Grandpa too.
Amazing Information By The Way Thank You SO SO Much!
Thank you for this video. You are easy to learn from. I just subscribed. Gratitude.
Thank you!
Nice advice! Thank you.
I appreciate the information Joe
This video is very helpful thank you!
You can negotiate the lien. Don't pay full amount. Offer them half of lien you owe. I've done that and it works.
Does the lien impact on the credit score negatively?
Thank you for the advice!
hi. they will often accept less? --even though they have a lien and are guaranteed the full payment from the sale of the house? How does that work? What do you say to them? I'm so curious!😊
@@tamarunitamaruni4724 sometimes a person can stay in their home for a long time, year's and year's. By offering to pay off a lien for less, the lien holder doesn't have to wait for their money so they'll accept the lower amount, or it's better to get a partial payment rather than have zero for who knows how many years.
I had an unscrupulous home improvement/ bath remodel company attach a lien to my property because I refused to pay double the original price. They had me sign the contract on a Thursday, didn’t give me a copy until the following Tuesday. However they completed the work the previous Saturday. This was in NC. I filed grievance with NC attorney General for fraud raga it this company
very helpful. thanks joe
WOW!! I HAV LEARNED A LOT JUST IN THIS ONE VIDEO... THANK YOU!!! THREE THUMBS UP!!
Thank you for the information.
You were very informative! Thank you!
such an incredible video
Great information, i really appreciate it
Thanks for the info Joe, really liked the real world stories. My kids and I have been living in a one bedroom apartment and looking to purchase a house for cash. I have look at one house and there were so many different items listed on it, i was getting a headache trying to read them all. It is amazing how people use their homes as a cash machine.
Good luck finding the new place! There are lots of opportunities if you learn the techniques I'm teaching.
@@joseph4176 what kind of Liens I can find besides the ones on the
County website?
@@celiacastro4566 A lien must be recorded at the County Recorder's office to be a lien. So any lien or encumbrance recorded there is what matters. That doesn't mean that a new lien can't be recorded tomorrow.
I too am soon to be actively shopping for rental properties to buy in cash.... So glad You mentioned the info. about the TITLE INS. Before I hand over tens of thousands of dollars
@@joseph4176 hi Joe, is that means last minute lien ? Do you have a class for foreclosure? I am from California and are you familiar with California foreclosure? Thanks
Good useful information, thanks.
I'm new to this, any advice would help. Thanks for taking the time to make this video.
Can you make a Vedic how to understand the online recording index: Deed, Mortgage, release of Mortgage and ......
excellent content. you have a new subscriber.
Thank you sir very good information I appreciate it very much
This video is supppper helpful
Joe Crump thank you so much for share your time and knowledges with us, Question how I find IRS liens do I can use title company for IRS liens?
Hi Frank. If the liens are against a property, they will show up on the title work. Just have your title company do a preliminary title report - it will cost a couple hundred dollars. The other way to find an IRS lien is to contact the IRS. They are happy to give you payoff information.
@@joseph4176 thanks
Useful Video. Yeah best be sure you pay all those important bills on time. Liens are not good news!
Good vid. Thank you.
very good advice
hi Joe, is that means last minute lien ? Do you have a class for foreclosure? I am from California and are you familiar with California foreclosure? Thanks
Hi Joe! Hope youre still doing these videos! Been watching and its very enjoyable like listening to a friend. Wondering about your interesting story -the one where the remodeler disappeared before finishing and then returned wanting to get paid on the unfinished work and then filed the bogus lien! How did you get him to remove his bogus lien without suing him first? I'm soo curious!!!!! Hope you see this and still have the mentoring program which I think my (ex) husband (and best friend!) may be interested in!
I had a talk with him and we worked things out. Most of time people will see reason if you explain your reasoning - and if you show them how a judge would see the situation. I would have won the case if it had gone to court and he knew it because he screwed up. I hope that helps. Also, yes, I still have a mentor program. You can check it out at www.ZeroDownInvesting.com - Let me know if you have any questions about it. - Joe
Amazing the things you learned on youtube ! What happens if you buy a property at an auction and you did not do a property title research? You would be in a situation where you cannot exchange titles. Are you in the scenario where you have to convince the lien holder to remove it ? That could be hard to track down who is the lien holder. And he might not even care at all in case his property was seized by the bank.
Typically, you would have your attorney do what is called a "Quiet Title" to clean it up. This could be easy if no one disputes ownership. If they do, then you have to deal with their claim.
Very knowledgeable video Joe! I was wondering if you can share an example of what your line by line item contract with your contractors look like? Or, if you can make a video on dealing/working with contractors?
It's something I teach in my mentor program, but it also sounds like a good topic for a future video. Thanks for the suggestion.
@@joseph4176 I was gonna ask the same question to see an example of your line by line contract..... You replied to their ??? that it's something 'YOU TEACH IN YOUR', so it sounds like you give smidgets of info AS BAIT but we'll have to pay to see the contractor sample so you make money. Is that how you operate, I don't wanna assume?
@@injuryadvocates7602 Actually he gave a TON of information and he's not liable to sit and answer every single darn question for free. This is one of the best videos ON THE TOPIC In the Title of the video. He has a right to Earn a living. He made NO IMPLICATION in the video title he'd be showing contracts!!!!! If he makes a video on that ADDITIONAL subject in the above question, we're lucky.!!!! GRRRRRRR
Thank you for the informative video.
I'll never understand why anyone would ever want to live under an HOA.
I know HOAS Cause people to get killed. A couple in Boca Raton lived in an HOA community & they had a deaf son who drove a truck well the HOA didn’t allow trucks and told his parents their deaf son had to park cross gateway blvd which is several lanes wide. Their deaf son parks his truck where they told him to on gateway blvd and he was ran over and killed while trying to cross gateway blvd. very sad. I can’t Stand HOAs either.
I have just subscribed.
You explain things very well -- almost like a Dad!! Question: So, I have a chance to buy a first position mortgage note that has a $2500.00 lien on it. The property is worth over $20,000.00 and the taxes owed are very little. I know that I can foreclose on it and sell and pay the lien, but do you have any other advice? Is there anything else I should look out for before or after buying the note?
Remember, there is currently a moratorium on foreclosures right now because of the pandemic - and that may extend into the future. That isn't a reason not to buy, but it's something that should be taken into account. Make sure you pay less for the lien than the face value of the note - and that the lien is properly recorded - get a Prelim Title Report to check it out. Good luck with it.
Just pay the lien. You can also negotiate liens down, so try that.
Thanks for this information. I had a contractor that did not complete the project and left it unfinished but demanded I pay the remaining balance. I obviously did not pay and held back 5%. he is threatening to file a lien. How do I dispute this? I was told one way is to file a section 34 notice. is this a thing?
If he files, you will either need to settle with him or file against him to get it removed. Get an attorney for advice on this if you can't come to an agreement with him first. Good luck. By the way, this happened to me once and I changed my agreements with all my contractors so it would not happen again. Those documents are now part of my mentor program. www.ZeroDownInvesting.com
Good info! Question for you: In the case of an HOA lien where the HOA files a final judgement of foreclosure for an amount of $5k in unpaid dues for example, but there is a mortgage on the property with a balance of $100k. How does a third party auction bid winner who paid $20k on the auction sale come out with the property if the mortgage has a 1st position lien?
This is a question for an attorney. But a few notes... because the mortgage would have priority on the liens, the HOA would have to get in line for the money. So that would be determined by how much equity is in the property. Whether or not they try foreclosure would depend on all those things.
@@joseph4176 Thanks Joe, appreciate the response. Have a good day.
Would all Mortgage Liens show up in a county recording office search? I'm seeing one from 2012 but nothing current. Also, does this differ if the purchase is land only?
Would you be able to provide verbiage on the line item contract or direction? I've had a contracter disappear for a number of weeks leave volnabral. Im not educated, nor do I have a budget for a lawsuit if needed.
Many thanks, and God bless.
Dan
We have these contracts in my coursework, but you can usually just put in clear english that if they stop doing the work for a certain amount of time, you only pay them for the line items they have completed so that you can hire another contractor to complete the work they failed to do.
This is interesting information but some of that may not apply to Florida because we have some of the strongest homestead protection for homeowners in the country.
Hi Joe, how long is a lien shown on the deed starting when it is recorded?
For example, I do a title search today and it is clear, however, there is a lien it started to be filed last week.
It depends on the County Recorder's office and how long it takes them to get it recorded and in the public record. But if you go to the county office, they can tell you if anything is pending on that property.
When the totle insurance does a search what system are they searching and how did they gain access?
They get the information from public record. It's called the "County Recorder's Office." It will either be online (in some areas) or if not, you can go to the county recorder's office and get hard copies.
Hi Joe, can you suggesr the "MUST REQUIRED paperwork for "Subject to" pls.
Yes. You will need a Warranty Deed, Disclosure, Limited Power of Attorney, Right to Talk to Lender, Right to talk to Insurance company. That should do it. You might ask your title company to do the closing - we started doing that a few years ago and it's been working fine, but you can also do them at your kitchen table - the deed needs to be signed in front of a Notary.
@@joseph4176 Thank you Joe! You are a wealth of info with practical experience!
Question : I plan to sell my house n mortgage not paid off yet. When they do title search would it come up lien on mortgage?? Cuz it’s not paid off. Is that normal ?? Please help
Yes, that is absolutely normal. The closing agent or title company will pay off the existing loan with the proceeds from the sale of your property and that will clear the lien/mortgage.
If someone invest in tax sale overages for ex homeowners who’ve lost their property due to back taxes what would be the best way to go by researching debt and ownership on a property before talking with the homeowners telling them they have unclaimed funds?
If people lose their property to back taxes, there won't be any unclaimed funds for that property. If you are just looking for people who are behind on their property taxes, there are lots of ways to find people who are delinquent on their taxes or going to a tax sale using the county recorder and buying lists from list brokers.
Hoa liens are out by forclouser.
It is on prior owner
Hey Mr. Crump
My name is Curtis. Im in the process of creating systems for Home Renovations. I have my scope of work, Renovation Budget spreadsheet but i dont have contracts for contractors. I learned in your video, that you have utilize line items for all your contractors. I really like and admire that method. Is there way that you have template or replica of that contract for purchase?
Thank you in advance
Hi Curtis, Send me a note and I'll email it to you. Here is my contact page: joecrumpblog.com/contact-us/
Hi. Is it possible for creditor to lien on the debtor who does not own a property?
Yes, it's called a judgment. You have to go to court to get it, but if someone breaches an agreement with you, the court will usually find in your favor. Then you get a judgment against them that will stay on their record until it is paid - or for 20 years - whichever comes sooner. Judgments are often hard to collect.
hey I file bankruptcy a couple years ago and I still have liens on my house they are from a hospital bill and from a loan company was a lawyer not able to get them off through the bankruptcy
A BK will typically wipe out any debts except for certain types (eg Student Loans) or ones created after you filed. You might have to get an attorney to write a letter to get them removed from your property. Good luck with it.
Tysm
Thank you Joe, I pulled the title of the property but I am afraid I did not know how to read it, report said there are 3 unreleased mortgages, one in 2013 for about147000, one in 2015 for about 80000 and one in 2018 for about 47000, does that mean there are 3 unpaid mortgages or there has been a transfer of mortgages and I should go with last one ?
Now that you know which loans are still unreleased, you need to contact the lenders and find out what the status is of each lien. Usually, lenders remove liens after they have been paid off, but sometimes that doesn't happen and you need to ask them to remove them or file a Quiet Title action to get them removed.
How can you avoid those scenarios where after you got a subject to deal sign the previous owner gets a HELOC on the property?
Record the deed when you buy it and the seller won't be able to get a HELOC. The bank checks title before they make a loan.
Would it be possible to share that new and improved contract that you provide to contractors this way I can also use it if I ever do this? Anywhere on your site
My contractor documents comes with my mentor program - there is a ton of contracts, scripts, etc that come with that program.
came here because i want to find properties at a tax sale
Are properties sold at upset or judicial sale free of liens? Supposed a property valued around 150k is been auction because of delinquent taxes and debt amount around 15k, and supposed no lien on property….would that bring total payment to acquire property around 15k even though property value is more?
Yes. Typically, the judicial sale wipes out any subordinate liens on a property. But check with the agency you are buying from. I purchased some tax lien properties not too long ago and they required us to do a quiet title on the properties. It was easy and not expensive, but took a couple months to get done.
When you have judgement against you and it puts a lien against all your properties, does this lien need to be recorded? Will i be able to see this lien if i go to county clerk's website and search for a property owned by the person against whom the judgment was? If not then how can I search for judgement liens?
All liens against a specific property have to be recorded and will be on public record at the county recorder's office... or online if they have an internet portal. Because of the nature of databases, there may be some variations on whether a lien shows up on a property record. The best way to find out is to do a title search and find out.
Im under contract on a house, and the title company , reviews and find out the mortgage lien what dit you think?
A mortgage lien will be paid off at transfer usually by the money you pay to the buyer to purchase the property. The title company will confirm that you have clear title and give you title insurance when you close. I've bought property before that had a mortgage higher than my purchase price - when that happens, the seller comes to closing with the balance and pays off the lien.
My abstract judgment on a property was sold and Stewart Title ignored my Lien and cleared title? What can I do now? Stewart Title is just not responding to me about the Pay OFF at all!!!! What can I DO?
Talk to a real estate attorney. They may need to file a quiet title or some other appropriate action depending on the details of the situation. This isn't always that expensive. If Stewart is insuring it for someone else, they have no reason to try to help you win a case against them. If your lien is recorded properly and you have an interest in the property, you have a good chance of winning a lawsuit. Good luck.
So when buying subject to how do you prevent that from happening????????
It's no different from what you'd do with a house you lived in and had a mortgage on. Don't sign off on any work that you can't pay for. If you have someone place a lien and you haven't signed an agreement for the work, the contractor is going to have to justify that lien in front of a judge.
Hi Joe, my situation is that the lien against my property are fraudulent, I'm assuming the electrician that owes warehouses money has the same name as myself. I have a credit report showing the one company and the individual that placed the lien but no contact information. How can I find this out?
Talk to your title company. If it's just someone with a similar name, they might just have you sign a 'not one in the same' affidavit. Then you would be good to go. If the claim was filed against you, then you have to get that removed judicially - I'd suggest talking to the person holding the lien and inform them of their mistake - or have your attorney do it. Then, if they don't remove it, you could file a countersuit. I'm not an attorney and can't give legal advice, so talk to someone who can look at the whole situation and get it sorted. Good luck!
@@joseph4176 I hate to bother but can you explain in more detail "If it's just someone with a similar name, they might just have you sign a 'not one in the same' affidavit" I just assumed the lien was a judgement against myself.
Hi Joe, I loved this video. Im in the process of buying an auction property and I needed this! You mentioned someone about a line item contract for contractors after that one issue with a bad contractor... is that something you share or sell? I'd love to get access to something like that.
Yes, it's part of the contract package that comes with the mentor program and the Push Button Method program. www.ZeroDownInvesting.com and www.PushButtonMethod.com - Good luck with your property!
what is good company to buy home owners title insurance? purchasing home for Cash in texas?
Rather than me endorsing a specific title company, I'm going to suggest you google 'Title Company CITY' and replace CITY with your location. Good luck with your deal!
I have a lien on my property from a credit card that has been charged off to a lawyer(collection agency). I am in the middle of a refinance, and of course I cannot close until the lien is cleared. Will the collection agency settle for a smaller amount, usually, if approached to? also do you recommend getting the lien off another way? If so, what would that way be? the debt is 10,000. Also this charge off happened over ten years ago, so it is an old charge off. It is not even showing on my credit report any longer.
It's possible they will negotiate, but when they know you are paying it off to get another loan, they know they have some leverage. I'd suggest calling them and asking. But before you do.... it might also be possible to do a quiet title action and get it removed. Talk to a real estate attorney and get their opinion. You could probably get that done for less than $2k if the company in question doesn't dispute it. Good luck.
@@joseph4176 Thank you so much for taking the time to respond to my question. I really appreciate it. I am taking your advice and now searching for an attorney.
@@glitterxmilk4164 Excellent. Good luck to you.
whats the equivalent of a county recorders office in canada?
Search for "Tax Assessor *Your City*" I suspect you will find what you are looking for if you do this.
Hi Joe, this is great content! I want to get into RE investing.
I hear u referencing to your program. Is this with u specifically & not someone on ur team? I love to get some info from u
Hi Sam, Yes, I do my own mentoring. I don't hire coaches to do it for me. You can find out more about my mentor program (details and price) at: www.ZeroDownInvesting.com
Nice
My ole man is discussing with another individual on purchasing 10 acres from them ....He is waiting on paperwork from this individual or actually the person who is the old owners ... I am getting a uneasy feeling about this purchase... the people who lived on it or bought the property was out of town and while being out of town their house was burned down.... from what I am understanding is the individual my ole man is wanting to purchase from... supposedly had conflicts with another individual about stealing their lumber on their property.. now we are being informed that there may be a lien on the property.... I'm trying to find out how or what would you suggest??
Close the deal through a title company and get title insurance. That will assure that you are buying clear title to the property. Good luck with it.
Hi Joe,
I have a family member (we do not communicate) who has not paid his taxes for the past 4 years, exactly what you speak of in this video. The property was originally in a trust (transferred to family member 2013 after the death of our father). At that time there was no mortgage on the property. Can I found out if there are any other liens besides back taxes on this property, and how much they are (if any) before moving forward? Unfortunately, I cannot trust the word of my family member if/when I speak with him. I already have an attorney and real estate agent lined up, but would prefer to find out more info before retaining an attorney and moving forward.
I've also already contacted the Tax Assessors Office and County Clerk in that particular county, in addition to the HOA for the condo. Was more interested in other liens that would possibly be in place.
Hi Elizabeth. The county recorder will have all the lien information on the house. You can go there personally and have the records pulled or you can call a title company and ask them to do a 'Preliminary Title Search' for you. If there are any liens against the property, they will show up there. If you are looking for judgements against a specific person, you can also do a judgement search - but they won't matter to the sale of a property unless a lien was filed against that specific property. I hope that helps. Good luck.
Thank you!!
So the contractor that didn’t do the work and filed a mechanics lien against your property how do get that lien removed? What was that process like?
It will stay on there for a year if you don't pay it. After that, it gets removed. The contractor would have to take you to court to take the property and get a judgement. If they didn't do the work they promised, you have a good chance of winning a case like this - just make sure you take an attorney with you to court - don't do it alone.
Hi Joe....I had a judgment put against me in court and the judge said I was going to be responsible for paying attorney fees of thousands of dollars. $300,000. I have $175,000 equity in my home...can they legally put a lien on my home in Arizona?
I don't know enough to advise you... and I'm not an attorney. You should probably talk to a bankruptcy attorney to see if they can help you stop the judgement from taking your house. Some States protect your residence. I'm sorry this is happening to you and I wish you the best with it.
I went to the county recorder's website. I can search for records by name, document, case number, etc but not by address. How do I search for liens on an address? Do I have to figure out who has owned the property and search by names? How would I know those liens apply to what property at all that point? They seem to have deliberately made this difficult
Every county recorder has their own website and they are each a little different. So - if you can't get what you need online, worst case is you have to go there and have them pull it up for you or hire a title company to do it for you.
@@joseph4176 Thanks Joe! I was able to locate a case number at the auction website and found some kind of result by searching that. It just shows a judgement of foreclosure though and nothing else. No amounts and it doesn't necessarily tell me there are no other liens nor the amounts owed to any parties at all lol. Lots of work still ahead of me it seems. I'm considering consulting a lawyer
@@RoyArrowood A title company can do it for you - probably cheaper than an attorney.
Hello, I have a deal on a investment property for 10K. The owner is my friends dad and the house is actually in pretty good shape. I’m going to pay cash for it. What is the process of doing this? Title search then quick claim deed?
Call a title company and ask them what you need to do in order to close the deal - they will walk you through it. Yes, you will want title insurance, a deed and a transfer of funds - a purchase agreement is helpful as well. Good luck with the deal!
Can the court or a scammer take your house if the mortgage is still attached and current?
Also, are banks, corporations better protected when they hold the ownership from illegal property transfers over an adverage Joe homeowner?
If a title is being transferred is the city recorder of deeds responsible to pjusically contact the current owner to insure this is a legit transfer.
Hopefully, when you bought the property, you got title insurance. If you have a problem with how title is transferred, you can contact them to solve the problem. If you don't, get an attorney to help. No one can take a property from you without a legal proceeding to do so... but talk to an attorney if you have a problem that needs to be addressed - I'm not one.
Hi - could you help with someone in California who has been in a dispute with a contractor who did some work on a residential property and have been served a mechanics lien that was sent by Construction Notice Services, Inc. The link appears to have been recorded on the property as per the letter. The amount of the lien is roughly $1,000, which is what the contractor believes they are still owed.
Homeowner believe this lien to be invalid both because the terms of the contract have not been fulfilled by the contractor, and the deadlines for filing the lien has passed (the job was substantially completed 9 months ago. Questions below. Thanks in advance for any insights.
Questions:
1) How can one check to see if a lien has actually been recorded properly?
2) Is it worth it for the contractor to enforce the lien given the monetary value ($1,000) of the dispute in question? How much does it cost the contractor to actually try to enforce the lien?
3) They also put an interest charge from when they believed the payment to be due of just under 2%. Are they within their rights to do so?
4) Assuming the lien is invalid, what are the next steps one should take to try to remove the lien from my property, and how long does this process take?
5) Are there any repercussions for the contractor or the company that they used (construction notice services, inc) for filing an invalid lien that doesn't meet the required timelines?
I'm not an attorney, but it sounds like something that could be resolved in small claims court. I would suggest filing a claim if you think you have a good case against the contractor. In the meantime, your property will have a cloud on it and if you are trying to sell it, you won't be able to get title insurance until after the lien is removed. Ultimately, you have to look at what position hurts you the least and then move in that direction despite who is right or wrong.
@@joseph4176 Thanks! How would you get the lien removed if the contractor is unwilling to remove it?
@@mcmickey3344 Use the courts to get a judgement against the contractor as I stated or pay the lien off.
I suggest all rei learn how to do preliminary reports
Hello Sir how to find free and clear report for Philadelphia county
As I mentioned in the video, liens are all public record. Check with the county recorder either online or go there and ask them to do a search.
How do you find IRS liens?
It will show up the same way - at the county recorder. You can access it online in most areas - or through a title company - or by physically going to the county recorder's office.
What if you find a land patent on a property? Is that as effective as a lien?
A land patent will help you determine ownership, it's not pertaining to liens.
I have a question, if you never recorded the property in your name how is it the loan payment was sent to you?
I believe you are talking about a "Subject To" deal. With a "Subject To" deals, we DO record the deed to us - so we get the tax bill. We don't transfer the loan to our name, all we do is make the payments. We have the seller sign a change of address form so the bank communication comes directly to us AND we get their online access to the account so we can make payments online. I hope that helps.
Is the Contractor Contract available for purchase?
Yes, it is part of the document package I provide for my mentor students. www.ZeroDownInvesting.com - Alternatively, you can have an attorney create a document for you to protect you from contractors who don't do what they promise. Either way will get it done. Make sure you find an attorney who works with real estate investors.
What is the best website to search a tax lien of a property?
Look for your local county recorder website. It's usually under a .gov domain. But if you search "{cityname} county property records and liens" you can usually find a website that will give you what you need for no charge.
Can you get your house foreclosured from a mechanics lien?
I don't know about all States, but in Indiana, a mechanics lien is good for one year and the filer of the lien would have to take action in superior court to foreclose on the property (expensive). Also, all liens (mortgages included) that are already on a property will take precedence in a foreclosure action (they would have to be paid first if a foreclosure sale happened), so it's not easy to pull this off if you are a contractor and trying to get paid. If you are the homeowner, you might just wait out the lien and see if they file in superior court. If you don't have much or any equity, it won't make sense for the contractor to pay an attorney to get in front of a judge. They may just settle for scaring you with filing the lien, which is cheap and easy to do. ALSO, if the lien is bogus, the contractor would have to prove to the judge that they did the work.
Joe, we decided NOT to go solar and the salesman was really upset. I almost had to physically throw Jordan out if my house after insulting my wife. He had Lumio install a lien against our house. I went to property appraiser to see the lien but cannot find it. You said go to County Recorders office. In Polk County Florida we do not have a county recorders office. Would I go online to the tax collector, is that another name for county recorder?
I'm sorry to hear about your trouble with the solar salesman and the lien on your property. In Polk County, Florida, the Clerk of the Court is responsible for recording liens and other property documents. You can find information about the lien on their website using an online search feature. Search by your name, property address, or document number.
If you can't find the lien online, contact the Polk County Clerk of the Court directly for assistance. Additionally, consulting with a local real estate attorney is a good idea for further help.
I hope this helps, and good luck resolving the issue!
Joe can you do a HUD reading video
I'm not understanding your question. Could you elaborate? Are you interested in learning more about HUD foreclosures?
Hud1 statements
How to record your deed? To avoid this problem ?
The deed doesn't protect you from liens. It secures your position in the line of title. So a lien can be placed on any property by anyone who thinks they have a claim. When you buy, it's wise to get title insurance so that any liens that are on the property before you buy are covered. Any liens AFTER you buy are something you will have to deal with and get removed - you may need an attorney. It's rare for someone to file a lien just to give you a hard time... and if they don't have a real claim, it's not that expensive to get removed... most of the time.
How did you get the lien removed? Is it legal for the city to come into an 80 year olds home and scare them into signing a contract?
Most liens are removed by paying them off or negotiating with the holder of the lien for an agreed upon price. Once that is done, you get a release in writing from the lien holder and use that to get the lien off the record. I'm not sure what you are referring to about the city coming and taking your property, but I suspect you are talking about eminent domain. Municipalities have the right to appropriate property for public use as long as they pay a fair market value for that property. That is how roads and parks get built. Unfortunately, a lot of public works hurt individuals in economically disadvantaged communities more often than affluent communities. Talk to your elected representative and vote for those who are looking out for the community rather than big business interests.
What if the company that put that lien on the property is no longer in business? What do you do then?
I would suggest you talk to a real estate attorney. They will probably suggest doing a 'Quiet Title' action. I did one recently and the attorney charged me $1500 and it took a couple of months to complete. If you can track down the lien holder, that might be quicker and cheaper - depending on the situation.
Thank you so much for your quick response! An attorney was involved but this issue happened back in 2005 and we thought it was taken care off until now we found out that the lien is on there for a refi that wasn’t approved and the lawyer has since passed in 2016 it’s a huge mess 🤦🏽♀️🤦🏽♀️🤦🏽♀️
@@mababymo2181 That stinks. It sounds like it's time to bring in a new attorney to get it fixed. It's all fixable - it's just time and money. Good luck with it.
Help can my mom payoff delinquent taxes to remove lien
Yes, if she pays off the delinquency, the lien will be removed.
Isn't it fun dealing with contractors.
LOL - so true. But I have to say, contractors have also made me a LOT of money and I stopped swinging a hammer decades ago.
The story about the contractor placing a mechanics lien, you said "eventually we got it removed". Want to know the details about getting that lien removed, if you are willing to share the details.
We did it through negotiation. The lien holder released it. It would have required an attorney if he had wanted a fight. In this case, he knew he was in the wrong and he backed off. We aren't always so lucky. Sometimes a gentle word can calm an angry beast. We have to resist our urge to fight sometimes... at least until we don't have a better option.
You forgot to mention medical liens for unpaid medical expenses to hospitals in Texas.
If it's on a property, it works the same way as other liens. The trick is how hard they are to get rid of. An estimated 530,000 families turn to foreclosure and bankruptcy every year because of medical bills, according to NBC. You gotta wonder if there is something wrong with the way we do healthcare in this country.
My question was how do I find out if there is a lien on my a property. Can I do it myself the courthouse is closed due to the virus can I find out this information I want my self. Lots of information but not answering the question.
First I'd check to see if your county has a website with this information. If it doesn't I suspect the only place to get it will be either the county recorder when they reopen or from a title company (which will charge you). My guess is that a title company will still have access to the recorders office since they are considered essential services, so call one and see what they charge and if they can get the information you need. It won't be too much - my guess is $250 or less.
So how do you search for a lien?
As I mentioned in the video, liens are all public record. Check with the county recorder either online or go there and ask them to do a search.