If you’re facing aggressive collection tactics, you may be wondering—can a debt collector place a lien on my property or threaten to do so? The short answer is: not without a court judgment. At The Wood Firm PLLC, we help consumers fight back against unlawful debt collection threats and protect their rights under the Fair Debt Collection Practices Act (FDCPA).
If a collection agency is threatening to put a lien on your property without legal authority, they may be violating federal law, and you may be able to take legal action.
Can a Collection Agency Legally Place a Lien on Your Property?
A collection agency CANNOT place a lien on your property unless they first sue you and win a judgment against you in court.
The Legal Process for a Property Lien:
✔️ Debt Collector Files a Lawsuit – The agency must sue you for the debt.
✔️ They Must Win a Court Judgment – If they win, the court issues a judgment against you.
✔️ They Request a Lien – The collector can then file a lien against your property if state laws allow it.
✔️ Your Property Title Is Affected – If a lien is placed, you may struggle to sell or refinance your home until the debt is settled.
🚨 Without a court judgment, a collection agency has no legal right to place a lien on your property.
Is It Legal for a Debt Collector to Threaten a Lien?
Under the FDCPA, a debt collector CANNOT:
❌ Threaten to put a lien on your home without first obtaining a judgment.
❌ Falsely claim they have the power to seize your property.
❌ Pressure you with misleading legal threats.
❌ Tell third parties (such as family members or employers) about your debt.
➡️ If a collection agency is threatening to place a lien without legal authority, they may be violating the FDCPA, and you could be entitled to damages.
What Should You Do If a Debt Collector Threatens a Lien?
If a collector falsely threatens to place a lien on your property, take these steps:
✅ Ask for Written Proof – Request a Debt Validation Letter to confirm the debt is legitimate.
✅ Check Court Records – If they claim to have a judgment, verify it with your local court.
✅ Know Your State’s Laws – Some states do not allow judgment liens on certain properties.
✅ Keep Records of All Threats – Document phone calls, letters, and voicemails.
✅ Contact a Consumer Protection Attorney – You may be able to sue the collector for illegal threats and harassment.
How The Wood Firm PLLC Can Help
If a debt collector is illegally threatening to place a lien on your home, The Wood Firm PLLC can help you fight back and take legal action.
📞 Call us at 844-638-1122
📧 Email us at help@protectionforconsumers.com
Don’t let debt collectors intimidate you—know your rights and take action today!
