Don’t worry! A nonconsensual lien against any of your grantee beneficiaries shall not attach to the property until (1) you have passed away, and (2) that beneficiary records the Affidavit to accept the property. See O.C.G.A. 44-17-5(a).

If you decide to sell your property, or borrow against it, only liens against you or the property itself will be relevant. Liens or judgments against your future beneficiaries will not.

This is one reason why it’s better to use a Ladybird Deed (Transfer on Death Deed) instead of adding your beneficiary to your deed immediately as “joint tenants with right of survivorship.” If you make your beneficiary a current co-owner of the property, then any liens against them (e.g. a lawsuit judgment) can put your property at risk!