Judgment Lien On Real Property In Michigan
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FAQ
2809. (1) Unless subsection (2) or (3) applies, a judgment lien expires 5 years after the date it is recorded. (2) Unless subsection (3) applies, if a judgment lien is rerecorded under subsection (4), the judgment lien expires 5 years after the date it is rerecorded.
Creditors: A creditor could be the party collecting on your credit cards, medical bills, or personal loans. They can sue and get a financial judgment against you, which your creditor can use to place a judgement lien on your house.
The easy answer is yes, credit card companies can put a lien on your house. They can file a claim for your property to cover unpaid debts.
A creditor can file the lien on your property 21 days after the judgment is signed. A court-appointed officer does not need to serve or carry out a judgment lien. You must still get served with the lien, but a creditor can do this by certified mail.
The most common method is garnishment. In addition, the Plaintiff may get a writ of execution to seize the Defendant's property to satisfy the debt. If the Plaintiff does not know what assets the Defendant owns, the Plaintiff may compel disclosure through a civil discovery subpoena.
Judgment liens may simply be filed and recorded by an attorney. There is no personal confrontation with the defendant and no personal property is seized. Service of the judgment lien on the judgment debtor is by certified mail if the judgment is less than $25,000.
Record the Claim of Lien in the County Register of Deeds where the Owner's property is located, within 90 calendar days after last labor or material. Serve a copy of the recorded Claim of Lien on the Owner's Designee within 15 days from date of recording by certified mail or personal delivery.
Record the Claim of Lien in the County Register of Deeds where the Owner's property is located, within 90 calendar days after last labor or material. Serve a copy of the recorded Claim of Lien on the Owner's Designee within 15 days from date of recording by certified mail or personal delivery.
Interested persons can find a lien on a real property (i.e. real estate or land) in Michigan by querying the Register of Deeds office in the county where the property is situated to review land records they maintain.
