Can a debt collector ever put a lien on my property?

Yes, a debt collector can sometimes put a lien on your property if you do not pay your debts. In North Carolina, liens may be placed on real estate or other property that secures a debt, such as a vehicle. A lien is a legal claim that gives the creditor the right to take possession of the property if the debt is not paid. The lien also gives the creditor a claim to the sale proceeds when the property is sold. Be aware that before a lien can be put on your property, the creditor must obtain a court judgment that states the amount of the debt and confirms the creditor’s right to collect it. This usually requires the creditor to take the debtor to court. Once a creditor has a court judgment, they can move forward with the lien process in North Carolina. It is important to note that a lien is different from a wage garnishment. A wage garnishment is when a debt collector takes a portion of your paycheck to pay off the debt. This type of action does not require a court judgment in North Carolina as long as the debt is not in dispute. If you are in debt and are worried about debt collectors putting a lien on your property, it is important to stay up to date on your payments and take action if you are unable to make them. You can speak to a debt relief attorney to learn more about your rights and options.

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Can a debt collector ever put a lien on my property?

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