re: Lien Slappers

quote:

---

I mean... it says (heavily redacted for my personal privacy)





Judgments/Liens: Provide recorded lien release for: CROWN ASSET MANAGEMENT, LLC ASSIGNEE OF SANTANDER CONSUMER USA Plaintiff Lien Type: FiFa Defendant: [redacted] Dated: 09/21/2016 Recorded: 09/22/2016 Book: [4 digit number] Amount: $8,960.99 Page: 207

Judgments/Liens: Provide recorded lien release for: Plaintiff BANK OF AMERICA, N.A. Lien Type: FiFa Defendant: [redacted] Dated: 01/09/2022 Recorded: 02/10/2022 Book: [4 digit number] Amount: $2,690.85 Page: 247

---

So that language above is from a title commitment it looks like for title insurance. Those two entities have filed a lawsuit against either you or someone with your same name and that name came up in a title search because in addition to checking the title to your property they also check the judgment rolls for that county to see if there are any judgments with your same name. If there are that doesn't mean they are on your property, just filed in the county rolls if that makes sense. The way these are cleared are the title attorney has to reach out to the attorney that filed these suits and verify that the person they sued has different ssn/dob than you.

Santander is a debt buyer, probably from credit cards and Bank of America is a well know lender but they have credit cards as well. Have you ever been sued? Don't answer that of course but if you have a common name and haven't been sued by those people than the title attorney should be able to clear them.

I would be asking if those are from the judgment roll or were specifically filed against your parcel # because from my experience those look like standard judgments which could belong to anyone with your same name.

Yes, good luck. A couple of things to consider. If you are doing the closing at your bank and the title attorney is only writing the title insurance and not handling the closing,, he may be requesting that the bank do the legwork to clear those liens instead of him doing it. He just wants them to provide proof that they aren’t yours or that they have been released. i’d start with your loan officer in the morning to see how it all is working and then go from there.

The one for BOA is actually in my wife's name, but spelled slightly differently and uniquely. I found the bitch in my county on Spokeo, she seems to move around a lot. Hopefully the title atty can clear that one up as easily as I could find it in the first result from a Google search.

The first one, in "my" name, was "recorded" before I even bought this house in 2017.

The second one, in "my wife's name" has a similar but differently spelled middle name. The imposter is who I found on Spokeo. The judgement isn't on my wife, it is on someone with a similar name.