Jump to content

Sign in to follow this  

Title Search and Lien

Recommended Posts

I filed Chapter 7 Bankruptcy in 2015 at which time my attorney filed a motion to avoid liens which was granted. I am attempting to refinance my mortgage, received the clear to close, and initial closing disclosure. I noticed something questionable on the closing disclosure and it was listed as a “judgement” with a dollar figure attached to it. I contacted the lender and they indicated that it was in fact a lien on the property from 2013. Obviously, I would like to avoid paying this and do not believe that I should have to. I forwarded a copy of the motion to avoid liens (which clearly references the lien holder’s company) and the order granting the motion to my lender and title company. When I spoke to the processor at the title company he didn’t give me the vibe that this documentation would be sufficient. What else can I do? 

Share this post

Link to post
Share on other sites

 The chapter 7 cleared the underlying debt,  a successful motion to avoid should have cleared the lien.   You may need to get your BK atty (or a competent substitute) involved  to get this cleared from whatever source is still reporting it as valid.   The title company won't take your word or your documents for it as I understand it.  It will have to be cleared at the source. 

Share this post

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Today's Birthdays

  • Member Statistics

    • Total Members
    • Most Online

    Newest Member

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information