American Bottoms files property liens if bills generated at a
property go unpaid.
Liens attach debt to a property for unpaid services or
purchases. In essence, once a lien is filed against a
property it will reduce the equity in that property. The
value of the lien grows as interest on the unpaid debt is applied
each month. An unpaid lien originally valued at hundreds of
dollars can grow to thousands of dollars over the years.
Liens are against the property, not an individual.
However, individuals may have difficulty selling properties that
have outstanding liens against them.
When a sale is about to take place, a title company will do a
title search to see if there are any liens on the property. The
title company will search public records to get this
information. A buyer will want liens to be paid off before
buying the property.
If you buy a home without doing a title search, you may find out
later that the property has a lien on it. The rule still
applies. The lien follows the property regardless of the
owner. This is often the case when property changes ownership
through "Quit Claim Deeds." We strongly advise you
to always do a title search, regardless of how you are purchasing
If you have a lien and would like it released, call Customer
Accounts at (618) 337-9000 for your lien balance. Once this
is paid, we'll send you a lien release letter. Take this
letter to the St. Clair County Courthouse Recorder of Deeds Office
to have the lien formally released. This entire process can
take several weeks unless the payment is made by cash or money