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Can bill collectors put lien against mobile home?

My in-laws have NO money or assets and survive on SSI. I purchased a mobile home for them to live in but had to put their name on title so that they would qualify to live in the mobile home park.

I put them on as registered owners and myself as the legal owner. My father-in-law has since had significant health problems and will probably be dying soon. In the meantime, he has accrued quite a bit of debt from his health insurance which Medicare didnt cover. If he dies, I dont want the bill collectors putting a lien against the mobile home.

Is it necessary to remove him completely from the title or am I safe as the legal owner? I was told that no one can put a lien against personal property and that mobile homes were considered personal property. I would rather not bother removing him from title if I dont have to because it will cost time and money. On the other hand, if theres a chance that they could put a lien against the property, I'd like to know.

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I am a contractor that did some work on a mobile home for an elderly client. She was ill and has since passed away. I am trying to lien the mobile home in order to get paid, but I am being told that since she owned the trailer, but not the land (located in a mobile home park), that I can not pace a lien on the property. Is this true.

Like | Dislike | Share | Posted: Wed, 12/08/2010 - 08:57 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Mary!

Welcome to forums!

As your father-in-law's name is mentioned on the property deed, then the creditors can place a lien on the property. In such a situation, it is better to remove your father-in-law from the property deed. It will save the property from the lien.

Feel free to ask if you've further queries.


Like | Dislike | Share | Posted: Mon, 11/01/2010 - 22:44

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome Jimyh,

You should contact a real estate attorney and take his opinion in this regard. He will be the best person to let you know whether or not you can place a lien on the property.

Like | Dislike | Share | Posted: Wed, 12/08/2010 - 21:46

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