Judgment = automatic Lien on home ???

[imwilk]

What is the name of your state? Florida. I have attempted to refinance my home a few times over the last 2 years and each time the company I have been working with has backed out. The current company however, informed me that there was a Lien on my home and that was keeping my title from clearing the Title companys. After conversing with the Title company, they told me that it was not a Lien persay but infact a Judgment against me from may of 2002. They agree that no Lien was filed, however stated that the Lien automatically gose against my house as the judgment was against me and thus all my personal property including my home automatically had a lien against it. My question is, Is this correct ? Can a company without filling any Lien be automatically granted a Lien against all personall property of a person complying with the Judgment ?

Thank you
imwilk2@comcast.net

 

[seniorjudge]

A judgment is a lien in most jurisdictions. There may be provisions in Florida law which requires the judgment creditor to do something to make that lien known to the world (e.g., recording it in the land records). I do not know about that.

But if the title company is showing it as a lien, you must satisfy that lien one way or the other before you can get clear title.