put a lien on my home and land

Read the terms and conditions signed with your credit company. Upon defaults, the point must be clearly specified about how a judgment will take place as per your state laws. The credit card company should also specify the lien conditions specifically in the contract.

Is the credit card in both you and your husband's name? If it's only in yours, then they won't garnish your husband's check, unless you signed a release form for them to do so..If this is a sub-prime credit card you may very well have signed without knowing you did so.
They're not going to place a lien on your home or land..1 credit card is too small of a debt for that, and you would know ahead of time if they were going to do that. They can levvy your bank account, though, if you don't work. Usually this is only allowed if a judgement is unable to be paid for some reason.
Work out payment arrangements with this company. As long as you stick by them you should be fine.

I have been though the credit card threat of lien on property and fell for it hook line and sinker. From what I have learned from many on this site and from our attorney, a credit card company can't place a lien on property for an unsecured credit card. If the card is unsecured, you obvioulsy didn't put up any collateral like your propery.

Tammy,
They really threatened you with that? Wow...What a bunch of crap!

Yep Finklestein, Kern, Steinberg and Cunningham Law Office was collecting for HSBC and Shannon used that threat. Keep in mind they were getting monthly payments from T&C and wasn't posting the account, so my grandpa paid the debt so we didn;t lose our home and come to find out they can't do that.

I swear, these crooks will try anything.