How do you put a charge on a deed, how much does it cost and do you need consent from the deed holder?

Answer 1

In the UK a charge is a registered document placed by a creditor on a debtors property.

To obtain a charge the creditor HAS to apply to the court, the court will call the owner and request his side of the story

He will then determine if the creditor is justified in his application

If s, the court will allow (Think its arount £150 for the actual process in the court)

Documents are then sent to the land registry. So when the debtor wants to sell the property the creditor will be paid. Or under extreme conditions the creditor can just force him to sell

Answer 2

Do you mean a condition or a restriction on the use of a property that you own and are conveying to another person, or do you mean an encumbrance or lien for unpaid money?

If somebody owes you money, they can sign a mortgage to you, in which case they would consent to the encumbrance. If they owe money to you and will not consent to giving you a mortgage, you need to sue them and have the judgment recorded in the office of the prothonotary [if the state is Pennsylvania] or the clerk of courts if it is any other state.

Note that a judgment is a valid lien against only the person who is the defendant. If the property is owned by husband and wife and the wife is not a defendant, there is only the possibility of a lien against the property.

Best advice is to speak with a lawyer licensed to practice in your state or province.

Answer 3

When you say "charge", do you mean "lien"? If you want to put a lien on a property, you need to obtain a judgment first through the court.