How to Remove Liens From Your House
A lien is a fee assessed against your home in order to collect payment for an outstanding debt. A lien can be placed on your home from the IRS, state or county tax office, a contractor, or a credit card company. A lien can also be placed upon your home in error. Regardless of the reason behind the lien, you as the homeowner should work diligently to have that lien removed as soon as possible. The lien can stand in the way of refinancing or selling your home.
- Difficulty:
- Moderate
Instructions
-
-
1
Conduct a title search on your home and credit report check on you and your spouse. Hire an attorney to conduct your title search and the credit check can be completed through online websites, such as FreeCreditReport.com. These two searches will reveal any and all liens placed against your property.
-
2
Identify any liens that are placed against your home that you do in fact owe. Pay these liens in full and keep all receipts and documentation related to the payment. Send copies of these documents to both the attorney and the credit bureaus to have them remove these liens from your title and credit report.
-
3
Identify any liens placed against your home that are in error. Demand a cancellation from any errant lien holder by having your attorney write them a letter. Additionally, you can file a notice of contest with the county attorney's office to have the lien holder remove the lien within 60 days or file suit.
-
1
Tips & Warnings
Hiring an attorney may seem like an expensive option, but if you have large liens placed against your home, it may be the only way to get them off of your title and credit report. Ask your attorney for additional advice on how to remove the liens and how to prevent them in the future.
