Скачать или смотреть How to Know if Creditors Can Force You to Sell Your House

Read the full guide on our website: www.keeshomes.com/

If you’re dealing with debt and terrified that a creditor might force you to sell your home, you’re not alone. This is one of the biggest fears California homeowners face—but the truth is, your home is far more protected than most people realize.

The key is understanding which creditors have power—and which don’t.

Most Creditors CANNOT Force You to Sell Your Home

In California, unsecured creditors like:

Credit card companies

Medical debt collectors

Personal loan lenders

…can sue you and place a judgment lien on your property, but forcing a sale is extremely rare.

That’s because California’s Homestead Exemption protects $300,000 to $600,000 of your home equity—making it nearly impossible for judgment creditors to touch your house.

But Some Creditors DO Have Power

These are the exceptions:

Your mortgage lender (can foreclose if you stop paying)

Property tax authorities (can seize or auction the property)

The IRS (can place a federal tax lien and has unique collection rules)

These are the only types of creditors who can truly threaten your home.

You Still Have Options—Even If a Creditor Has a Lien

Most homeowners can protect their home by:

Negotiating a payment plan

Requesting a settlement

Refinancing to pay off the debt

Using the Homestead Exemption

Selling voluntarily before things escalate

A voluntary sale keeps your equity safe and avoids the pressure of legal action.

You’re Not Powerless

California gives homeowners some of the strongest protection laws in the country. If creditors are calling, threatening lawsuits, or refusing to work with you, you still have rights—and you still have time.

If you want help understanding what’s really at risk—your home, your equity, or just your credit—KEES Homes can walk you through every option calmly and clearly.
Reach out anytime. You’re not in this alone.

Suggested YouTube Chapters
0:00 – Can Creditors Force Me to Sell My House?
0:17 – What Most Homeowners Fear
0:40 – Which Creditors Cannot Force a Sale
1:05 – California Homestead Exemption Explained
1:28 – Creditors Who Can Take Action
1:50 – What Happens If You’re Sued
2:10 – Ways to Protect Yourself and Your Home
2:30 – KEES Homes: Helping You Protect Your Equity

#HomeownerRights #CaliforniaLaw #DebtRelief
#HomesteadExemption #ProtectYourEquity #KEESHomes
#JudgmentLien #ForeclosureHelp