Thread: Bought a Property with a Lien

In 2009 my family and I purchased our first home. It was a foreclosure in the state of Florida. During the sales process we did everything by the book, and purchased title insurance. Never did the lien ever come up, and we even received a signed approval from the association stating all previously owed fees would be paid in full prior to us getting approval to purchase the property.

Closing went through as scheduled like a breeze, and we moved in shortly afterward.

Fast forward two months, we're getting ready to visit the Community Clubhouse for the first time to get our picture ID's (to use the gym, pool, ect..). That's when we were told they couldn't allow us to use the amenities as the was "an unpaid dept" on our property.

Shocked, we left and started making some phone call. It wasn't until one of our family members that was trying to help discovered a previous lien on our property from the previous owner.

A Lien??? How did they even sell us the property if it had a lien on it?? And most surprisingly, how come the lien NEVER came up during the sales process?

After making a few phone calls to our lawyer, he informed us that we weren't responsible for any of it, and that the title insurance covered us. So we contacted the lawyers associated with the title company, and they agreed to help us out on the matter, as well as reassured us we had nothing to worry about.

It's been 2 years and countless phone calls/emails later since this whole fiasco began, and we have gotten nowhere. The lawyers keep telling us to be patient, but nothing seems to get done, and the debt on our property keeps on growing substantially due to lawyers fees and interest.

Please, any advice you could give us would be a godsend at this point. We just don't know what to do. Thank you for taking the time to read through this.

Blessings,

Ana.