Q: Can a debt collector put a lien on my home for old debt if I was in hospital a notice for a lien in property
After a judgment was made can u request lower payments if u been paying for two years and simply can’t afford to pay the amount u
Been paying
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- California
- (916) 704-3009
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- Answered
A:
In California, a debt collector can place a lien on your home if they have obtained a judgment against you in court. This means they successfully sued you for the debt, and the court ruled in their favor. Once they have the judgment, they can record a lien, which can affect your ability to sell or refinance your property.
If you've been paying on this debt for two years but now find it difficult to keep up with the payments, you can request a modification of the payment terms. You should contact the creditor or the entity that holds the judgment to discuss your financial situation and propose lower payments that are more manageable for you. They may be willing to work with you, especially if you can demonstrate your inability to continue with the current payment amount.
If the creditor agrees to modify the payments, ensure that you get any new agreement in writing. It’s essential to maintain communication and not simply stop making payments without discussing your options, as this could lead to further legal actions.
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