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About Sharon Wilkerson
Expertise
I can answer questions on residential real estate whether they concern buying or selling, 1031 exchanges, or investment property/vacation property. I can answer some questions on South Carolina law concerning the aforementioned property type sales. I cannot answer questions concerning commercial property.
Experience
I am a realtor in the Charleston, SC, area which is an historic seaport town on the coast located between Myrtle Beach and Hilton Head. I have serviced both buyers and sellers from those looking to purchase their very first home to those looking for a place to retire. I have a network of realtors around the South Carolina area with whom I am in touch concerning the South Carolina real estate market.
Organizations
The Charleston Tri-county Association of Realtors; The South Carolina Association of Realtors, The National Association of Realtors; Women at Work; The National Conservancy; Daughters of the American Revolution
Education/Credentials
BA degree in Business and BA degree in Theatre Arts
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You are here: Experts > Cities/Towns > South Carolina > Real Estate: South Carolina > house liens
Expert: Sharon Wilkerson
Date: 9/25/2008
Subject: house liens
Question
Can a credit company put a lien on your primary residence in South Carolina?The debt is $22,000 and no money on the card was used to pay a mortgage,etc.I've read yes ,no ,maybe, sometimes, but need an answer.Who would know if this isn't your area? THANKS !
Answer
Well, this isn't my area; however, I have never heard of a credit card company putting a lien against a debtor's home. It would be very costly for them to do so and really bad public relations. I mean, who would take out a credit card if it meant they could lose their home?
Generally liens against one's primary residence are mechanics liens and that doesn't sound like your problem. South Carolina law states:
A person furnishing labor or material actually used in improving real property by agreement with or consent of the owner shall have a lien on such property and on the interest of the owner up to the amount due in contract. South Carolina defines consent to require a contract between the mechanic and owner before labor and material is furnished.
Your best bet would be to consult with an attorney. Free legal advice can be had by contacting either the South Carolina Bar Ask-A-Lawyer at 1-888-321-3644, or South Carolina Centers for Equal Justice 1-888-346-5592.
Good luck to you.
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