What is the name of your state? PA
While attempting to refinance my house, I've discovered that there is a lien against the property which was the result of a default judgment filed on 04/02. The case lists "OSI Funding Corp." as the plaintiff, however they don't have any information on the account and it has since been deleted from my credit reports. Another strange thing about the case file is that printed at the top is 'to: "my name " and "somebody I've never heard of's name"...There was an attorney's name/phone # printed on the bottom of the case - which I called. They can't tell me who the other person is, but they did say I owe $8200.00 for an old FUSA MasterCard account. (I thought this was settled but apparently not - its most likely legit).
Neither my husband nor myself were ever served on this case, and the lien came as a total shock to me. (I wouldn't have wasted the $350 on an application to refinance if I had known about it.) Shouldn't we have been notified if we were being sued?
My question is how do I get the lien on my house removed?
The prothonotary's office said I could file a motion to 'strike the judgment' because I was never served...but they don't have any papers I can file, (i.e. I would have to go down to the law library and do the research to file it properly). Or get a lawyer.
If I try to get a settlement offer from the atttorney's office, I don't have much leverage do I? Since they have lien on my property, they can demand full payment, correct?
I'm wondering 1) if it's worth the time, effort and $$ to try to get this 'vacated'? or 2) if I should try to settle with an attorney representing a client that knows nothing of the account or 3) maybe even try to contact the original creditor (FUSA)?
Any guidance on this is appreciated!