Liens

sbever · #1 10-24-2008, 08:03 PM

What is the name of your state (only U.S. law)? IN

Four years ago my husbands wife (deceased - breast cancer). We are trying to refinance our house and found there is a lien on the house from a healthcare provider from when she was sick. It is only in his deceased wife's name. How can we remove this so we can refinance? Someone told us we could go to the court and have the title put in his and my name and have it removed that way. Is there a way we can get this taken care of without having to pay a huge amount of money? We offered the death certificate but they don't care. The lien still stands.

Thanks in advance for your help.

HomeGuru · #2 10-24-2008, 08:30 PM

Quote:

Originally Posted by sbever

What is the name of your state (only U.S. law)? IN

Four years ago my husbands wife (deceased - breast cancer). We are trying to refinance our house and found there is a lien on the house from a healthcare provider from when she was sick. It is only in his deceased wife's name. How can we remove this so we can refinance? Someone told us we could go to the court and have the title put in his and my name and have it removed that way. Is there a way we can get this taken care of without having to pay a huge amount of money? We offered the death certificate but they don't care. The lien still stands.

Thanks in advance for your help.

**A: there is nothing you can do to remove the lien except pay it off since it was a valid and enforceable debt.

nextwife · #3 10-25-2008, 07:59 PM

Does hubby have any record of paying that debt? Is husband maintaining that this was erroneous? Or only that he didn't know they could or had done that?

sbever · #4 10-27-2008, 07:15 AM

Evidentially his wife took care of all the finances. The insurance they had at the time was suposed to be really good and he can't understand why there was anything left to pay on the hospital bill. This bill is evidentially for his stepson who was hospitalized. Shortly after he was out of the hospital she was diagnosed with breast cancer and I think his world went downhill from there. I'm sure he didn't have a clue. The stepson is now almost 21. I'm not sure if the biological father could pay the debt or if it should even be brought up after so many years. It's a mess! Thanks for your assistance.

One note: Someone told us debt collectors buy bad debt from companies and try to collect. They told us they buy them at a cheap price and then try to collect. Is this true and is there a way we can offer them less in hopes they would take it? If so, what percentage would be reasonable?

Thanks again!

HomeGuru · #5 10-27-2008, 01:32 PM

Quote:

Originally Posted by sbever

Evidentially his wife took care of all the finances. The insurance they had at the time was suposed to be really good and he can't understand why there was anything left to pay on the hospital bill. This bill is evidentially for his stepson who was hospitalized. Shortly after he was out of the hospital she was diagnosed with breast cancer and I think his world went downhill from there. I'm sure he didn't have a clue. The stepson is now almost 21. I'm not sure if the biological father could pay the debt or if it should even be brought up after so many years. It's a mess! Thanks for your assistance.

One note: Someone told us debt collectors buy bad debt from companies and try to collect. They told us they buy them at a cheap price and then try to collect. Is this true and is there a way we can offer them less in hopes they would take it? If so, what percentage would be reasonable?

Thanks again!

**A: that's true about the purchase of debts but the negotiations should have been done at the collection stages. Since there is a lien, the lien holders do not have to negotiate.