I had a lien put on my house well after the time period and it was for 1800.00 of poor work. It has been over 3 years we were never taken to court, what do we do ?

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I don't want to end up buying something with a lien on it, and to make sure that i am actually buying the property that i am told i am paying for. i don't know if it makes a difference but i should mention that i'm talking about a cash purchase of vacant land for under $5,000

You could hire a title searcher to look it up and make sure the registered owner is the person you are dealing with and there is clear title. You do have to be careful, perhaps especially in rural areas or cottage country. A couple years ago we had a situation where someone was advertising a property on e-bay. The legal description was right, but the pictures in the ad were of our property. Big difference as our property has a river and 3 waterfalls, the one in the legal description abutted ours, but just has trees.

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They would be deleted soon. after 3 months, i checked the title of my house again at the land registry office, there is still one lien against my house. the lien is from legal aid ontario. the lawyer told me it should be deleted on the deed. i should be ok otherwise, i could not get the house. could you tell me if it is true? thanks a million!

Your question is confusing. Did you buy the house? Do you have title insurance? Or are you still trying to buy on condition that the liens will be satisfied? If the sale is final and you did not receive clear title then you probably have liens on the property or one as the case may be. Never buy property without a title search and the condition that you receive clear title.

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Hello - i have a situation that i hope i can get guidance i purchase homes ..rent them out and put them back on the market for resale - i purchased a home with a business partner 2 years ago and had the property rented ..we are both on the title and the mortage - when i went to sell the property last week ,i was informed by the lawyer that there was a lien on the property - my partner defaulted on a seperate property they invested without my knowledge with another business partner , so there bank put a lien on this property that we own jointly.. i am now afraid that without new tenants this property will now default - and they will put a lien against my personal home seems like a domina effect question - can i refinace this property and remove my partners name so i can now resell the property ? can i refinace and buy off the outstanding lien ? can i remove my name from this title and transfer $100 % of this mortage i know legal advice is needed but some quidance..

If he refuses to agree you got a problem. The answer is yes to all as long as he will sign the contracts too. Of course if you can buy the lien it is solved. I would suggest pie charts for this one. Looks like a partner agreement contract will be made after wards.

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Here is the Description of an Ontario,Canada Tax Sale. A tax sale is the sale of a property by municipal or government tax authorities in cases where the owner has failed to pay the outstanding property taxes. The sale can be held by public auction, by public tender or by sealed bids. Usually, the successful purchaser acquires nearly immediate clear title and immediate possession of the property. On occasion, the purchaser's right to possession of the property is postponed in order to enable the delinquent taxpayer a specified period of time in which to repay the tax. The proceeds of the sale are used to pay the unpaid taxes and other expenses that were incurred in listing the property. The balance, if any, is usually given to the delinquent taxpayer. Occasionally, when taxes due on a property remain unpaid, the tax authority may sell, at public auction, a "lien" obtained against the delinquent taxpayer's property. The successful bidder can subsequently convert this lien into ownership of the property if the sums due are not paid by the delinquent taxpayer within a specified redemption period. http://www.mississauga4sale.com/Power-Sales-TAX-Sales.htm As you can see you would not pay the taxes first and the forfeit the sale if the owner pays the taxes. The property goes through a series of steps. The successful bidder doesn't have to wait as they get clear title as they would receive one almost immediately. You can also get information about Ontario Tax sales at: http://www.ontariotaxsales.ca/cart/ListingSearch.php or http://www.taxsaleproperties.com/ Hopefully this clarifies the Tax Sales in Ontario. Good Luck

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My wife and i are currently looking at purchasing a new home, here in canada. however, before the builder will break ground they are looking for $10,000. now, we've obtained 100% financing through the bank, but obviously those funds won't be available until the house is built. now, if i take out a line of credit for the builder deposit, my credit score be negatively impacted and it will put me at an undesirable interest rate, but if i didn't need those funds for the builder then i would get something much lower. so my question is, are there any laws or loopholes in ontario that would prevent the builder from collecting those funds or allow me to decline on paying those funds? sorry, good point made below. we already put $1000 down. we were aware of the cost prior to this, but were not aware that there would be such a difference in the interest rates. we have other options available to us as far as financing, but would still rather not take the line of credit if it were possible. if it's not possible then c'est la vie.

I think you failed to brainstorm your options and situation and please excuse me if some of my assumptions are wrong: (i) Most likely you and your wife looked at many different homes etc before making your choice, and my guess is there is only one BUILDER for the development you selected. Maybe someone failed to explain the entire procedure or you didn't ask enough questions how the money passed on your behalf to the Builder in constructing your home all the way to settlement where the DEED passes and the Government records TITLE in your name & your wife's. (ii) The Builder $10,000 Deposit is one of Good Faith to protect you & your wife from changing your mind bec think of all the building materials he must order & pay for ahead of time. We have owned 3 homes but never one built from scratch, though my parents & a friend have and it is my understanding that construction loan money passes & is withdrawn at different stages and milestones of completion RATHER my interpretation of your view says BUILDER is paid 100% at the end. Listen we have negotiated several major home improvement projects, and not one company where we solicit several written quotes from reputable firms ever waits till completion. Practically all require a negotiable GOOD FAITH deposit upfront, and if we renege and didn't paid the full agreed upon amount, it would result in a MECHANIC's LIEN filed vs Property Owner and a Day in Court where the LIEN and PROPERTY TITLE might not be clear if you never paid and later tried to sell your home. My recommendations are (i) to go back & ask for detailed explanation in writing from Builder at what % phases of complettion does money pass from You and Your Wife to the Builder, (ii) At the same time make sure you had enough leverage to correct deficiencies before passing the final payment and (iii) Thne take written contractual document back to the financial institution loan officer that is financing your home and hopefully your dilemma is resolved. Hoe the Above Info Helps and Best of Luck!