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FNANB Lien on Grandfathers House, Internet
*Consumer Comment: IF
1Author
4Consumer
0Employee/Owner
When I first opened this credit card with Circuit City 12 years ago it had a small $300.00 limit. When the Downward spiral of 2000/2001 and I lost my job I could not pay this company. Late fee's over the limit fees and others brought this card upwards of $4,000. It was either eat or pay the minimum balance. Just recently my grandparents passed away and the family is trying to sell their home. Upon signing paper work there is a Lien upon the home for the $4,000 that I owe. I have not setup anything with my grandparents about them paying this and I believe it to be fraudulent. The only thing I can think of is my father and I have the same first and last name. Needless to say the family is all upset with me and I feel I may have a case against this company. I know I need to pay off this credit card and in due time I will.
This report was posted on Ripoff Report on 6/13/2011 9:23:34 AM and is a permanent record located here: http://www.ripoffreport.com/banks/fnanb/fnanb-lien-on-grandfathers-ho-a38ec.htm. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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REBUTTALS & REPLIES:
1Author
4Consumer
0Employee/Owner
Updates & Rebuttals
#1 Consumer Suggestion
AUTHOR: Ken - Greeley (USA)
SUBMITTED: Monday, June 13, 2011
POSTED: Monday, June 13, 2011
Sounds like you may be just a little financially irresponsible. Did you have your grandparent(s) co-sign? Whose address and SSN did you use to apply?
I doubt this is a ripoff and you just need to step up to your responsibilities.
Your family is justifiably upset with you. How many other times have YOU ripped THEM off?
#2 Consumer Comment
AUTHOR: mr rik - miami (USA)
SUBMITTED: Monday, June 13, 2011
POSTED: Monday, June 13, 2011
straightening this mess out.
If you do, and you haven't paid on the card in a number of years, paying now will most likely get you in deeper troubles.
#3 Consumer Suggestion
AUTHOR: Larry - Phoenix (U.S.A.)
SUBMITTED: Tuesday, June 14, 2011
POSTED: Tuesday, June 14, 2011
In most states it's fairly easy to file a lien on someone's property. A lien is just one person's claim that another owes him money.
This whole situation has come about because everyone involved is acting totally stupid. The lender filed the lien against the wrong party because he was stupid. Now the executor of your grandparents' estate is acting stupid. If he/she does not know how to go to court and get the lien removed then hire an attorney. Since the lien on your grandparents' home was bogus from the outset, the executor should be able to recover his court costs and attorney's fees.
Several years ago far-right-wing nutcases in Arizona were filing bogus liens on the homes of police, prosecutors, and judges as part of their philosophy that they should not have to pay taxes or license their cars. Public officials found themselves spending so much time and money to remove the liens that the Legislature made it a crime to file bogus liens.
#4 Consumer Comment
AUTHOR: Robert - Irvine (U.S.A.)
SUBMITTED: Tuesday, June 14, 2011
POSTED: Tuesday, June 14, 2011
To get a lien placed against the house, they would have had to have a judgment against you. IF you are not tied to the house in any way, then yes you can get the lien removed as it probably was a mistake. But even if you were not on the loan or mortgage, if you inherrited the house the lien may be valid. It would probably be a good idea to talk to a lawyer who deals with either Real Estate or Probate to see what they say.
I know I need to pay off this credit card and in due time I will.
- Sorry but you are probably not going to be able to dictate when it gets paid. The "due time" will be their choosing. Because even if the lien is not valid and can be removed. To prove that you are not associated with the house in any way, you are probably going to end up giving this company all of your current information.
That means that they will probably be able to find out where you work, where your bank accounts are, and if you have any other houses. So shortly after this is taken care of you can expect(depending on your state), Wage Garnishments, Attachments on your accounts, and liens on your house(s).
Even if the lien is not valid, but the judgment is. It may be more economical and expedient for you/your family to pay off the $4,000 lien and then you just owe them the money. Or if you are entitled to some of the proceeds just take the $4,000 out of what you would have gotten.
