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: 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
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.