Help ! - Question regarding liens on titles/property in NJ

they would need to have obtained a judgment against you. who is pursuing the matter? have they sued you? in new jersey you have to have a a judgment against you in law division court (superior) for a lien to be placed on any r/e you own statewide. after that they will move to perfect the lien, which would mean a visit from the sheriff. after that they are not outside their rights to pursue the sale of your r/e to satisfy the judgment.

We have received nothing from the courts or even the collection agency that is handling the account. How does a judgement come about? Doesn't that have to go through the court?

yes, you have to be sued. so two questions - again, who is taking the alleged action? and what makes you bring up the issue of a lien on your property? you said it was charged off into collections?

The alleged action is coming from the collection agency. I ask about a lien because of the huge amount of money that is owed. I don't know if its been charged off into collections because I am still able to log into the AMEX site and pay what little I can afford.

well if youve been contacted by a CA that claims a right to this debt then its been charged off. have you spoken to amex about the issue? is it a law firm or a CA?