Removing a Property Lien from a Debt Collector

Removing a Property Lien from a Debt Collector

Removing a Property Lien from a Debt Collector

“A property lien is a legal claim on assets that allows the holder to obtain access to the property if debts are not paid.” This is usually a final step taken by a creditor to collect an unpaid debt. If things have already gone this far, you need to take serious action. A Lien Removal Attorney in Franklin can help you protect your property from aggressive creditors and settle your debt problems in Tennessee.

Why Did a Creditor Place a Lien on My Property?

Generally, a creditor may only place a lien on your property after receiving a judgement against you in court for an unpaid debt. This usually only occurs after extended attempts to settle the debt over time. By placing a lien against your property in Tennessee, the creditor now holds an interest in the property that guarantees repayment of the debt you owe. This means:

  • You cannot sell the property without their consent (meaning they will receive the amount of the debt you owe if they approve the sale).
  • They will receive payment for their debt if another creditor seizes or forecloses on the property.
  • They may repossess or force the sale of the property to recover the amount of the debt you owe.

How Can a Lien Removal Attorney Help Me with Removing a Property Lien?

Struggling with debt is already difficult, but when a creditor places a lien against your property in Tennessee, the stress can be overwhelming. A Lien Removal Attorney in Jackson from Fitzgerald & Campbell, APLC can work with you to protect your rights and property while settling the debt judgement against you.

There are basically two ways to remove a property lien:

  1. Vacate the Judgement – If you suspect the debt is not yours, or if some circumstances surrounding the debt collection process are questionable, you have every right to challenge the debt and the judgement against you. Our attorneys can research the debt and collections process to see if it is false or if your rights were violated. If either case is true, we can file a petition with the court to vacate (set aside) the judgement. If they do so, the lien against your property is removed.
  2. Settle the Judgment – If the debt is yours and can be verified, and there are no circumstances that warrant vacating the judgement, you can make arrangements to settle the debt with the creditor. Our attorneys can help you work out a Debt Settlement plan that can save you money while protecting your property. Once the debt is settled, we can file for a removal of the lien.

Get Help with Removing a Property Lien

The seasoned attorneys at Fitzgerald & Campbell, APLC have helped numerous clients across Nashville, Franklin, Murfreesboro, Jackson, Memphis and other Tennessee communities hold on to their valuable property and settle debts. If you have recently received notice of a judgement lien against your property, you need to act quickly.

An Attorney can move quickly to investigate the debt and collection processes and help you determine the best course of action. Contact us today at 615-845-4595 to schedule a consultation as soon as possible. Our fees are flat, fixed and include all costs. Affordable payment plans are available.


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