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Clearing the Past: How to Release Old Liens, Mortgages, and Judgments
Manage episode 439356894 series 2911349
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Episode Summary: In this episode, we explore the growing issue of "zombie loans" and liens—old debts or judgments that resurface long after they were thought to be resolved. Learn how to address these issues to prevent future problems and ensure that your records accurately reflect the status of your loans.
Key Points Covered:
- Introduction to Zombie Loans:
- Definition and explanation of zombie loans and liens.
- How they can resurface despite being cleared or charged off.
- Real-World Example:
- Case study of a California woman who faced issues with a mortgage she thought was resolved.
- Importance of official record updates to avoid future disputes.
- Understanding Official Records:
- How official records (e.g., vehicle titles, property deeds) need to be updated.
- The role of government records in maintaining the validity of liens and judgments.
- Steps to Take:
- How to file for a lien release or mortgage release.
- The importance of sending documents via mail to the official lien holder.
- What to do if the lien holder is unresponsive or out of business.
- Further Actions:
- Filing a court petition if necessary.
- Ensuring records are updated to avoid future complications.
- Why This Matters:
- Potential consequences of not updating records (e.g., unexpected collection attempts).
- Real-life examples of how unresolved liens can impact property ownership and financial stability.
- Additional Resources:
- Visit leanrelease.com for instructions on preparing and sending lien release packages.
- Schedule a one-on-one consultation with a lien release agent for personalized advice.
Call to Action:
- Get more information on handling zombie loans and liens.
- Book a one-on-one live consultation with experts in various fields (e.g., real estate, insurance, mortgage) at actualhuman.com.
Episode Outro:
- Thank you for tuning in to Actual Human Advisory on Describe TV.
- Stay informed and proactive about managing your financial and legal records to avoid future issues.
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