Greetings, First day here, seems like an outstanding board with a great community. I've been browsing for about 2 hours and haven't found anything similar to my current situation, so figured I would start my first post: In February of '99 I had a lein placed against my checking account by Celtic Financial, who represented Discover Card. Total balance was around $2.1K and I agreed to pay $450 immediately to release the lein. Subsequent payment schedules were arranged. Now, since I had so much debt that I paid off and moved for work at least 7 times since then, my record keeping and memory are less than optimal. I cannot remember if I paid this account off in full or just stopped making payments. I'm more inclined to think I have paid it off in full, but the only documentation I have is from the initial lien back in '99. There have been no attempts in years to collect a debt by Celtic (at least 5 years) and this debt does not appear on my credit report. Today, I discovered they have placed a lein on my checking account again. I am assuming this is the same debt, since I paid everything else off (around $10k spread over 8 or so companies) but I cannot confirm this until tomorrow morning. So, my questions are as follows: 1) What right do they have to file a lein since I was never contacted? 2) I will ask for record of my last payment, but assuming for a second that they do not have a record of this, can I claim SoL expired and they must remove the lein? Note that SoL in NY is 6 years. 3) How long can they hold this lein on my account? I'm basically out of money until my checking account is available again. Assuming that I do not owe this, or SoL is expired, that may take some time to convince/send documentation. Any other advice you can provide would be greatly appreciated. Thank you in advance for your help. Paul
