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In 1999 I apparently had a second mortgage take out on my…

Customer Question
In 1999 I apparently...

In 1999 I apparently had a second mortgage take out on my property, in 2002 I had to claim bankruptcy, I don't remember paying directly anything to that loan, I was discharged from bankruptcy in 2005. I'm trying to get a equity line of credit and they are showing up as a lein to the property. The company Associated Financial Group cannot be located. I've searched multiple different ways, even the courthouse does not have any forwarding address or ways to contact them. How do I clear this or get a release. The mortgage company does not come up or any searches. Thank for any direction you can give me.

Lawyer's Assistant: Is this a fixed-rate or adjustable-rate mortgage?

John

Lawyer's Assistant: Has anything been filed or reported?

Nothing has been reported, not even on my credit report

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

I don't think so I just need directions on how to get this taken off my lien to my property

Lawyer's Assistant: Where is the property located?

Customer:***** Chesapeake, VA

Submitted: 1 year ago.Category: Real Estate Law
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Answered in 2 minutes by:
8/3/2017
Real Estate Lawyer: Ray, Lawyer replied 1 year ago
Ray
Ray, Lawyer
Category: Real Estate Law
Satisfied Customers: 48,804
Experience: Texas Attorney for 30 years dealing in real estate
Verified

Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question, conduct and prepare your response.

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Real Estate Lawyer: Ray, Lawyer replied 1 year ago

If you cannot get a release of lien you are looking at a suit to quiet title to remove the lien.The court here in such a suit awards you cleared title and the orders serve as deed so that you can sell it or keep it free of the lien.You can keep trying but this is likely your next option.This is actually real common and thats why the law allows for such a suit.

Summary

A quiet title action is a lawsuit that is brought in circuit court to clear a party’s title to real property. The purpose of a quiet title action is to eliminate all claims to title, which might stand in the way of a title insurance company issuing a clear title insurance policy. Liens, claims by prior owners, and other matters affecting title are called “clouds” on title. The purpose of a quiet title action is to eliminate any of these “clouds” on title.

You will need local real estate lawyer to file such a suit.

I appreciate the chance to help you today.Thanks again.

If you can positive rate 5 stars it is much appreciated.

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Real Estate Lawyer: Ray, Lawyer replied 1 year ago

Virginia Lawyer Referral Services  

Attorney referral service in Richmond, Virginia

Address: 1111 E Main St Suite 700, Richmond, VA 23219

Phone:(###) ###-####/p>

Hours: Closed no

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Real Estate Lawyer: Ray, Lawyer replied 1 year ago
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Customer reply replied 1 year ago
Thank you ��
Real Estate Lawyer: Ray, Lawyer replied 1 year ago

You are so welcome the 5 stars are at top of page.

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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