Roseblossum: Placing a lien against a property for non payment. How does a bank do this or anyone do this. Would you have to notify the person first. Or skip and go straight to court
I am not sure of the law where you are.
But in the UK; to slap an order against an asset, then there has to be a court order to serve the paper.
It depends in what sense you are describing.
Are you talking about non payment of mortgage?
UK; there would be a series of warning letters, then a court summons, an order made either against the person and an amount taken out of the salary, or a warrant for removal of goods to cover the debt.
Many lawyers will give you a free first consultation. Some limit it to a phone call, others will have a sit down chat with you in their office. This is usefull to learn what your options or rights are and if you have a case worth bothering with.
Don't hesitate to take advantage of this service. Look in the phone book for lawyers who specialize in real estate issues.
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