I owe a very large sum ($50K - I know... :oops: ) to AMEX and of course, it has gone to collections. I pay AMEX, not the collection agency every month. It is not the amount they want because I cannot afford $5K a month but it is something. The collection agency calls all the time and threatens putting a lien on the house. My question is this - can a lien be put on a title and/or property without any notice being given to the debtor? I thought you had to be served by the court but I am not 100% sure.
Any help would be much appreciated.