QMAX21 Posted February 1, 2009 Report Share Posted February 1, 2009 Hi everybody,I notice that me and my wife qualify for the new House credit for thosewho purchased a first time new residence as given by the government. She informed me that she had owed a college she attended $3000 and the college is trying to get a judgment against her on this. She told me the reason she didn't want to file jointly is because since we just got a new place,they would try to put a lien on our new hom to collect money.Is this true? I mean she got this loan through the college before we even knew each other. Secondly she told me that if we got a refund they would try to take it to pay this debt through court. This sounds plausible but I personally don't think this is true. Does anybody know about this?I mean even if they get a judgment to try and put a lien on the house, it is in my name only and just because we're married and would be filing jointly doesn't make the house hers I would assume. Link to comment Share on other sites More sharing options...
merrybucks Posted February 1, 2009 Report Share Posted February 1, 2009 I mean even if they get a judgment to try and put a lien on the house, it is in my name only and just because we're married and would be filing jointly doesn't make the house hers I would assume.Are you in a community property state? Link to comment Share on other sites More sharing options...
QMAX21 Posted February 2, 2009 Author Report Share Posted February 2, 2009 Are you in a community property state?No, Illinois isn't listed as a community property state. So they can't put a lien on a house that isn't in her name even if she is married to me, I assume. Link to comment Share on other sites More sharing options...
swirlgirl Posted February 2, 2009 Report Share Posted February 2, 2009 I doubt they would put a lien on the house in any case. If she is in default of a Federal student loan, she can rehab the loan to stop the collection process. Link to comment Share on other sites More sharing options...
QMAX21 Posted February 2, 2009 Author Report Share Posted February 2, 2009 I doubt they would put a lien on the house in any case. If she is in default of a Federal student loan, she can rehab the loan to stop the collection process.I agree, particularly one that isn't in her name. Link to comment Share on other sites More sharing options...
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