Can Mel S Harris put a lien on my house?

With the ever changing debt markets, many of our clients across Brooklyn and Manhattan have been asking this question more and more: Can Mel S. Harris put a lien on my house?  The answer is yes, they can.  And they are doing it more and more.  There are reasons and, as always, ways to fight back.

Can Mel S Harris put a lien on my house?

If you owe money to Mel. S Harris (or, I should say, if Mel. S. Harris claims you owe them money) they have numerous ways of getting that money from you.  They can, as they typically do,  freeze your bank account.  That’s always nice. They can also try and garnish your wages….provided you’re actually employed in this crazy economy.  Also, a nice thing.  But, if none of that works, and they still want their money, they can put a lien on your house.  Who cares though, right?  You should.  If you ever want to sell your home you’re going to have to pay the lien off…with interest.  If you ever want to refinance the home, you’re going to have to pay the lien off, with interest.  If you ever wan’t to get a 2nd mortgage on the home, you will have to pay the lien off…with interest.

The point of the above is the point I always make whenever I speak to clients that are dealing with Mel S. Harris and Associates or Rubin and Rothman or Cohen and Slamowitz.  The “ostrich” approach of not dealing with them will never work.  They have six years from the date of alleged default to actually sue you, and another 20 to collect.  So, just because no one has contacted you in a few hours doesn’t mean you’re in the clear at all.  To the contrary, it may mean that interest is accruing on the debt owed.

Again, the simplest solution is to deal with the problem.  Settle.  File Bankruptcy. Contest the Debt.  Any/all of these methods will be more effective and less costly than the alternative.

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