Who can place a lien?

[toomuch]

Hubby and I haven't filed yet. Haven't paid on the cc per attny in 3 months. Will be filing in 3 more months.
Can cc companies plan a lien on our house (not paid for)?

[quietsound]

Yes they can however first, they have to take you to civil court, then they have to win a judgement against you FIRST, then they have to wait 10 days after they get a judgement and then they can put a lien on your house, garnish your pay, and freeze your bank accounts.............most credit card companies don't really take legal action until your 6 months late. most don't turn it over to collections until 6 months, of course every company is different.

[sisterfunkhaus]

It depends on where you live. Some states don't allow leins on houses and garnishments on wages. Many allow bank account freezes. Look up the exemptions for your state. I may be mistaken, but even if they do a freeze or lein, once you do your BK, the judgement is removed and the lein will be removed as well.

[bige1030]

I concur with sisterfunkhaus. The important thing is to file a Motion to Avoid Lien in the bankruptcy case.