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Thank you for your question and welcome. My name is ***** ***** I will assist you. They can apply to put a charging order on your property if the debt is unpaid, overdue and owing. They would need a court order and would first have to apply for an interim charging order, if successful they can then apply to court to have the charging order finalised. This is not an overnight process and can take several weeks to accomplish. They also have to give you notice that they are doing it. Kind regards AJ