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Updated almost 2 years ago,
Government Lien in County - Possible Foreclosure if Discovered/Avoidance?
My lender just discovered a lien filed in 2019 against my husband in the county where I reside. When I applied to consolidate my first and second mortgages with a new mortgage through a new lender, I applied alone but they wanted my husband on the loan/title of the property. The title company obviously didn't do their due diligence if they had me sign a quitclaim deed over to myself and my husband to add him to the title in December of 2022.
Now that the lender discovered a judgment/lien against my husband and any personal property in the county, which he was unaware of, they are saying he lied on the application that they completed and sent over via docusign to add him to the loan. All he did was sign the document per their request.
The lender's attorneys froze all my accounts (savings/checking/heloc - a total of approximately $350k in all) and sent me a letter stating I am in defauilt as of April 6, 2023.
I hired an attorney that says I can't file another quitclaim deed with myself and my husband putting the property back into my name alone, as it was before, that the lien would attach to the property no matter what. Yes, it was filed in the county, but nothing was filed against the property. In the property records, there is only a deed of trust for the first and second mortgage.
I'm wondering if we can both sign a quitclaim deed over to a land trust directly, or if we can sign one back to me and then I can sign a land trust assigning an LLC established in Wyoming for privacy purposes as the trustee (and perhaps another LLC as the beneficiary of the trust). I own other LLCs in Colorado but they have my name on them. I can establish another LLC in Wyoming if need be. My attorney says no, but why can't it be that simple, to take him off of the title with a simple quitclaim deed that I can file in minutes rather than destroy my credit and take all my money?
Any thoughts or suggestions would be appreciated ;-)