There's not a lot of sugar coating, and they'll tell it like it is, but they also provide you with the education, framework, and community to make it happen.

Liens aren't against people, they are against property.If a mortgage or judgment lien remains unpaid when the property transfers, it also stays in the name of the seller... there is no getting the "lien out of their name" and it will still show on credit.Whether the property sells subject to the lien (rare) or it gets paid off at settlement (standard), that doesn't change the numbers... except that a lien that stays on title continues to accrue interest at the legal rate and can be foreclosed.