The Social Security system is in place to help us through difficult times. Unfortunately, there are some instances in which the system makes our lives even more difficult than they need to be. The day I received the denial letter for my claim, I wasn't sure what I was going to do. After talking with a few friends, I contacted a lawyer. That was the best decision I had ever made. Even with the professional assistance, getting the denial overturned and getting the money that I was owed took several months. I have kept a clear journal of my experience and loaded it with information that can help others get through what can be an impossible time.
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Social security denial - a journal of assistance
Three Types of Liens That Could Be Present When You're Buying a House
Alexis Garcia
Before you allow yourself to get too excited about a house that you want to buy, you need to consult with a real estate attorney for help. Your agent can help you in a lot of ways, but an attorney's approach to dealing with the legal side of this big transaction can protect you moving forward. One area that your real estate attorney will investigate is whether the property you're interested in has any liens on it. This means that the current owner owes money to some type of party, which could be transferred to you if you were to buy the house right away. Here are three types of liens that could be present.
Contractor Liens
A common type of lien that your real estate attorney may uncover results from the house's owner owing money to a contractor. For example, if the owner got a lot of work done to the house to prepare it for sale — like, they had someone renovate the kitchen and bathroom — but did not pay the contractor the full amount, the contractor may use legal channels to have a lien placed on the house. You'll need to get proof, which your attorney can provide, that the homeowner has dealt with this debt before you make your offer.
Tax Liens
Another common type of lien that your attorney may reveal has been placed against the house is a tax lien. This suggests that the current owner owes property tax or income tax and has not paid it. This won't be an oversight, even if the property owner suggests this when your real estate agent contacts him or her. For a large entity such as the government to place a tax lien on a house, it means that the owner has repeatedly ignored many types of requests to pay what he or she owes in a timely manner.
Court Liens
It's also possible for a local court to impose a lien against the house if the homeowner has not paid spousal support or child support. Like with a tax lien, the presence of this type of lien usually suggests that the homeowner has gone a substantial amount of time without paying what he or she owes. It's important to know about the presence of a lien, as well as to ensure that the homeowner deals with this debt before you move forward with submitting an offer to purchase the house.
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