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  1. #1
    Join Date
    Mar 2008
    Posts
    9

    Default Medical Debt Resulting in a Lien on My Home

    I live in MI

    I thought I understood that medical debts were unsecured debts. Without realizing it, a dentist's attorney managed to get a lien against my home for a bill that is several years old. I didn't think this was possible, but the system never fails to amaze and surprise me.

  2. #2
    Join Date
    Mar 2008
    Posts
    1,995

    Default Re: Medical Debt/Lein on My Home

    You certainly can get a lien placed on your home to secure a judgment, even if the debt is unsecured. A secured loan only means you pledge some collateral, in GETTING the loan, and says nothing about how creditors can do to get paid.

    One has nothing to do with the other.

    I bought a property from a homeowner, took a while for the transaction to close, and American Express managed to put a $3,000 lien of the home in the meantime, and the Title company took twice that amount out for escrow to pay AMEX, $6,000 in all, (said that's their procedure) and told him AFTER they get a chance to review the exact balance with American Express, (adding in court fees, interest etc.) that they would pay him back the remaining balance.

    I can still hear the guy yelling "they can't do that !!!", after all these years. Two attornies in the room, the closer, all shook their heads and said "they sure can"!!!.

    To say the seller was SHOCKED is an understatement.

    Now, having said all of this, you need to check the Homestead laws of your state. Is MI for Missouri?? where the exemption for a home I beleive is $115,000.

  3. #3
    Join Date
    Mar 2008
    Posts
    9

    Default Re: Medical Debt/Lein on My Home

    I live in Michigan. Since I'm on disability, they headed for my house.
    Thanks for the reply.

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