Livingston, TN asked in Real Estate Law for Tennessee

Q: I lost my job & had to stop paying on a credit card in 2012. In 2016 the company took a lien on the house. Is this legal

Was not informed about the lien until Jan. 2021.

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1 Lawyer Answer
Anthony M. Avery
Anthony M. Avery
  • Knoxville, TN
  • Licensed in Tennessee

A: Sounds like a legitimate Judgment which was filed as a Lien against your real property in a certain County. Judgment Lien is good for ten years from date of Judgment unless extended. Important consideration is who is the Judgment against and what property does that person own. Also are there any prior liens like a Deed of Trust. If the Creditor attempts to execute the Lien, besides defending against the litigation you need file a Notice of Homestead Exemption.

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