Debt Lawyers for Help with Property Liens
What is a Property Lien?
What are the Different Types of Liens?
What Should I Do if there is a Lien Against My Property?
What can a Debt Lawyer do to Help with a Property Lien?
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What is a Property Lien?
If a creditor or collector has sued you and obtained a judgment against you (whether or not you knew about the lawsuit) the creditor is then able to attach that judgment to your name or any property you own. This attachment is known as a Property Lien. A property lien gives the creditor a legal claim on that property until the judgment debt is paid off, settled, or discharged through bankruptcy. If you were not served notification of the lawsuit properly or were not served at all you should learn more about vacating default judgments as this may be the first you are even hearing about a lawsuit let along a judgment that was entered against you is from a title search or from a credit report as you are ready to buy or sell a piece of property. Now your deal is frozen! What do you do?
Liens are typically placed on real property like homes and land but can be placed on vehicles and other assets that have substantial value, or even against an individual with no assets as well. Our debt lawyers can deal with any type of lien that may be placed against you or your property.
Common Types of Liens
The three most common types of liens that we deal with are judgment liens which are entered as a result of lawsuits, tax liens entered as a result of unpaid property taxes, and mechanic liens entered by either suppliers or contractors involved in working construction on the subject property.
How does a Property Lien Usually Work?
Many people think that if a creditor obtains a judgment lien against them that they will lose their property. Although this is possible, it is not probable and usually not what occurs. Once a lien has been entered against you, the best collection option for your creditors is not typically going to be to force the sale of your property since it’s a time-consuming and challenging process. This is especially true if your property has a mortgage or other lien already in place because it means your judgment creditor would not even be first in line to get paid if they force the sale, making it an even less appealing option for them.
Once a lien is entered against you, your creditor will most likely do nothing but wait as it takes much less effort on their part. By not forcing the sale, the lien will be left in place and will accumulate interest causing the amount you owe them to increase continually, knowing if you do try to sell your property you will not be able to until their lien has been paid and removed. If that day comes, the balance you would owe would be much larger and they are then able to get paid without having to do any collection work after placing the lien, which makes waiting to collect an excellent proposition for them. Not only will you not be able to sell any of your property if there are liens on it, but you may not be able to purchase any property either!
What should I do if there is a Property Lien Against Me?
Since your judgment creditor or collector’s best option is usually to wait it out when they get a lien against you, then your best option is the opposite which is to deal with the lien as soon as you can! Whether the lien is a judgment lien, tax lien, or mechanics lien, the longer you wait to deal with the problem, the more it will cost you in interest. Dealing with the issues sooner than later can save you thousands of dollars!
Instead of letting your creditor wait until you sell and only to apply the amount collected on a dollar for dollar basis towards the balance owed, we can negotiate a settlement with the creditor or collector for less than the judgment amount owed. By doing so, we can have the amount paid considered settled in full, thereby removing the lien from your property and saving you thousands in the process. The longer you decide to wait, the more they’ll charge with their interest rate!
If one or more money judgments have been entered against you as a result of either an unpaid debt, forgotten debts, or even issues relating to identity theft, then your assets may be at risk. A judgment gives the creditor or collector the ability to collect in ways not available to a creditor without a judgment by granting the judgment creditor the ability to put a levy on your bank account or even to garnish your wages in addition to the property lien as we just discussed.
Your Debt Problems Do Not Go Away if Ignored…They Get Worse
DO NOT LET A JUDGMENT CREDITOR TAKE YOUR MONEY WITHOUT PUTTING UP A FIGHT. If you have been sued do not ignore it or avoid the issue thinking it will go away. You need to deal with the lawsuit as soon as possible. You will not be able to defend yourself properly without the knowledge of the court process and lawsuits and trying to do so would be a great injustice to yourself. A debt lawyer will be able to assist you and bring a great deal of experience and knowledge to the table. If your business was sued, many courts do not allow for you to defend yourself Pro Se, and you may be forced to hire an attorney to help – so stop wasting time. Call Now to find out more about our Debt Collection Lawsuit Defense services.
At Dramer Law, our debt lawyers can help orchestrate the removal of judgments and the liens that go with them either by attempting to vacate your default judgments or by either negotiating for affordable payment arrangements or by settling for less than the amount that is owed, potentially saving you thousands! If there is no room in your current or monthly budget for payments or settling, then another service we can help with if you qualify is to remove the lien by filing for bankruptcy. One way or another we will be able to help!
How Dramer Law Handles Our Debt Relief Cases
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Free Consultation, Fact Finding, & Financial Analysis
When you call our firm, we will want to know how and when your financial hardship began as well as what the current status is, to get a better understanding of what you are experiencing. Our staff is trained to ask the right questions to make sure that no stone in your financial picture goes unturned. Any representative that will speak with you will have a minimum of 10 years experience
We analyze your current financial situation including your assets and liabilities as well as your current cash flow, allowing us to narrow down our services more specific to what you can afford. This step is critical in any of our processes as we ensure that whatever service we recommend will be within your budget and therefore you’re more likely to succeed.
Full Disclosure, Recommendation, & Customization
There are multiple options for each problem we encounter so based on your analysis; we will then tailor fit the best option to the individual needs of your budget. We will explain in great detail all aspects of each process including the risks & fees – not just how much money you can save. Nothing will be hidden from you as we are a full disclosure law firm.
Our Relief Specialists are NOT Paid a Commission so there will be no sales pressure at our law firm. There is no obligation to retain our services. You will be given all the facts you need, and then you will be given plenty of time to think things over. Debt relief is an important decision, and we won’t rush you! We have worked hard over the years to earn the reputation we have by giving honest advice to those in need rather than the advice that benefits our bottom line!
Limited Power of Attorney & Authorization to Communicate
Lenders are Sent Notice of our Representation
Once retained, we immediately send a copy of our Limited Power of Attorney to your creditors, debt-collectors, or attorneys. Sending notice of representation is the first step in curbing any creditor or collector calls you may be receiving. We do not want you to be harassed – we’ll take over the calls for you.
The Fair Debt Collection Practices Act (FDCPA)
Once any third party servicer, debt collector, debt purchaser, collection attorney, foreclosure attorney, etc. receive our Limited Power of Attorney, they are obligated to contact us directly on your behalf. Failure to do so is a violation of the FDCPA, and we will sue them for you. There is no fee charged to you if we do not win your case, and if we do win, you can win up to $1,000 per violation, and the collector in violation will pay our attorney fees for you. It’s basically free money!
We Get the Job Done!
We are Incentivized to Perform
Our mortgage negotiation services are offered a fee structure as such that you pay part of the fee when retaining our firm and part of the fee only if we’re successful. The success fee helps ensure we are incentivized, so you’ll know we have your best interests in mind. We don’t benefit from getting you to hire our law firm, but instead, we benefit when we get the job done for you. You pay for our performance – and that’s what we do – we perform! We never agree to anything without first consulting with you and getting your approval. It is your debt and your money, so you have the final say in all of our negotiations
We Work Efficiently & Quickly
The combination of our experience, well-trained representatives, long hours, and state of the art software, allow us to accomplish more in any given day than most other firms only dream about. This can be said for ANY service we offer from negotiations to litigation to bankruptcy. We work quickly on your behalf as the longer you delay with a deed in lieu of foreclosure, the more fees your lender will charge. We will be in touch with you throughout the process to keep you informed and are available when you need us.
Are you looking for professional advice?
Let Us Help You!
At The Law Offices of Kenneth H Dramer PC, before we make any recommendations, our debt lawyers, certified debt relief specialists, and paralegals are trained to ask the right questions to find out about your specific situation. Based on your current income and your financial hardship, we will determine which course of action will work best for you. We do not only offer one path, as no one process can solve everyone’s needs. We will take our time with you and help evaluate what your best course of action should be. CALL NOW FOR A FREE CONSULTATION and one of our advisors will be there to get you started on your path to financial freedom. There is no obligation to enroll, so don’t delay.
One way or another, we can help!
Why Choose Dramer Law for Your Debt Relief Needs?
Debt is Our Specialty
Other companies and law firms offer debt relief – we specialize in it! We do not offer any services that aren’t strictly related with clients that are struggling financially so our clients have unique needs, compared to those of other law firms, that we can cater to. We offer all debt relief options and we service our clients like family. You should never settle for less when trying to settle for less!
Lower Fees
Since our clients don’t have tons of money to spare like attorneys that practice in other areas of law, we charge low fees making our services affordable for anyone that needs help. Unless your case involves one of our attorneys having to go to court, our negotiation service fees are flat fee based not charged hourly.
One on One Client Service
All of our client relationships are One on One. You’ll have one individual client service representative that will be your point of contact and you’ll build a relationship with them so they’ll know exactly what you are going through. Aside from treating you with the upmost care possible, this means you won’t have to deal with multiple people and re-explain your situation to a different person each time you call. This saves time for you and eliminates any extra stress for you as time is money and being stress free is just as important as being debt free!
Client Service Response Time
All of our attorneys, paralegals, and negotiators are dedicated to providing the best possible experience, while achieving results. We are available long hours but should we happen to be unavailable for any reason we pride ourselves on returning calls and emails right away, not several days later like most attorneys.
Our Reputation
Many companies do nothing for the high fees they charge. We have heard many horror stories. These companies aren’t proactive, they put no effort into negotiations, they don’t even return your calls let alone calls from collectors! These actions cause collectors to seek other measures to collect, often meaning lawsuits. We typically work repeatedly with the same companies and are known for resolving accounts so therefore have a great reputation with industry lenders and collectors. This benefits you when we contact these companies on your behalf, they know the accounts will get resolved and therefore we are usually able to avoid legal action!
Other Services
Many times, when we successfully get our clients out of debt, they still need assistance with other areas of their financial life. We offer many different services for those struggling with debts including Business Debt Relief, Mortgage Relief, Tax Relief, & Student Loan Relief. When Debt is the Problem – We Have the Answers!
Client Testimonials
Getting Started is Easy…
Call Now for Your Free Consultation
Call today for your free consultation with an experienced member of our team who will ask the right questions to determine the best course of action. They will go over each option that will make sense for your situation and will be sure to discuss in detail the pros and cons of each.
See How Much Money We Can Save You
Each option will have its own savings potential. Keep in mind the greater the downsides a choice may have the greater the potential for savings. Our debt relief representatives will be sure you understand the cost benefits and will be sure to disclose our fees fully.
Retain Our Law Firm and Let the Savings Begin
Once retained, we waste no time in taking action. We will work quickly and efficiently to bring a successful resolution to your situation. You will be assigned a specific member of our team that will be in constant contact with you throughout the process.
You have nothing to lose except for your debt!
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