Q: We would like to know what are options are in removing the lien from our home in Harford County in Maryland.
In 2008 my home had a lien put against it due to a credit card debt with Citibank. In 2017, I tried to show a bank that I paid off the debt but Citibank has no record of the account. I was still able to get a loan despite the lien but in the future this will still be a problem especially if I want to sell my home. I am afraid to contact the law firm Margolis, Pritzker, Etal that put my home on the lien. because they may not act on my best interest.
I am also wondering if there is a statute of limitation on Harford County property liens but so far I have not been able to find any information on this. Hope you can help.
A: Contact a lawyer who handles real property law, but honestly, if you can prove that you paid off the debt, this should be pretty straightforward to handle.
A lien arising from a judgment lives 12 years, and can be renewed for another 12 years. How it was created is found in the court's file. You may visit the clerk's office to review the file, yourself. You might as well obtain a copy as any lawyer you consult will need a complete copy of the file to assess whether your were properly served, among other issues.
Your bank likely charged the account off, and may have sold the debt, and thus no longer has records.
If you paid, there are ways to demonstrate this fact and have the lien removed.
You may also call the law firm and request information, but they may not be cooperative. They only want you to pay.
Cedulie Renee Laumann agrees with this answer
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