if Credit Card company put Lien on my home do i have to sell NOW?

Depending upon how a house it titled, a judgment for money owed many not be a lien on your home. If it becomes a lien, you do not have to sell. The bank just wants to be paid if you do eventually sell or refinance you home, or if you pass away. The more important issue is that you need to see a consumer bankruptcy attorney ASAP to determine your options, both bankruptcy and non bankruptcy. Either filing bankruptcy BEFORE a judgment is entered, or working out some type of resolution can prevent a "general unsecured debt" like a credit card from turning into a "secured debt". DO NOT WAIT! YOU ARE NOT "REQUIRED" TO FILE BANKRUPTCY JUST BY HAVING THE CONSULTATION. Get you advice from an experienced, NC licensed attorney. Financial hardship is NOT a legal defense. No state court Judge or arbitrator can force the bank to settle or offer you a payment plan that you can afford. All they do is decide if you owe the Bank for the debt and if so, how much. The only Judge who can do that is a bankruptcy judge.