Wholesaling a property that has a lien

[Matthew Santillanes]

Hi,

Just had one question.  What happens if I find a willing seller to wholesale their house for say $10,000 but there is a balance still owed to the mortgage company for $20,000 what happens?  Does my offer have to equal the balance at minimum?  I'm kind of stuck here.  And is it the same for a tax lien?  

I think that the title company will deal with this right? But I would just like to know before the situation actually rises.