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Advice whether Florida can put lien on house owe 8000 arrears

Requested in Jobs & Money by JanetBup
edited by 2cent

1 Rec

What is the 8000 in arrears from? If they are property taxes, chances are that they are automatic liens by state law, so the state doesn't even have to "put a lien on the house". It's already there. If you are in arrears on your mortgage, then the state cannot put a lien on the house, because you don't owe the state any money. The bank can foreclose on the house, sell it at a government sponsored sale (such as a Sheriff's sale). If the sale does not bring in enough money to pay the mortgage in full the bank may sue you for the difference and have a judgment entered against you for the deficient amount. That would become a lien, but it would be the bank doing it, not the state. Of course, the mortgage itself is already a lien, but the mortgage lien disappears once the sale takes place. But even if the mortgage lien disappears, the debt to the bank does not. That why you sign a promissory note and a mortgage rather than just a mortgage.
Agreed. They probably can. An individual can put a lien on your house, so I don't see why the state can't. They might even start garnishing your wages or take your tax refunds.

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