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If you're facing a federal tax lien, your tax debt has already escalated, and it's time to take action. This is a serious legal claim against your assets that affects everything, including your ability to sell property, get loans, and even how you operate your business.
Resolving IRS liens can seem overwhelming, but with the right support, it can be straightforward. Tax Network USA is a national tax resolution firm that helps you to address federal and state tax liens.
Whether the IRS just filed a notice against you or a lien has been sitting on your record for years, our team can help you understand your options and take action. Contact us to schedule a consultation today. Learn how we can help now.
We help individuals, families, business owners, and all other taxpayers handle their tax situations, including federal tax liens. You're in the right place if:
Whether you're worried about the risk of a tax lien, want to appeal a Tax Lien notice, or need help dealing with a lien that's already been filed, Tax Network USA is here for you. We'll evaluate which path makes the most sense for your specific situation. Contact us today for a free and confidential consultation.
There are four main strategies you can use to resolve tax liens, and our team is experienced with all of them. Most people get stuck because they don't know which option applies to their situation, and they have no clue where to start. You can relax, as our team handles the analysis for you. We help clients with:
When the full tax debt is paid or becomes legally unenforceable, the IRS releases the lien. While the release doesn't erase any traces of the lien, it does show the debt has been satisfied.
A withdrawal removes the public Notice of Federal Tax Lien entirely, but it's only available in specific circumstances, including when you enter a direct debit installment agreement that requires the IRS to withdraw the lien, when you meet certain conditions after a lien release, or if the IRS filed the lien in error.
A discharge removes the lien from a specific piece of property while the broader lien remains in place. It's useful when you need to sell your home or other property or refinance a loan to pay your tax debt. It means you can move forward without the lien getting in the way.
With subordination, the IRS agrees to allow another creditor's claim against a specific asset to take priority over its own lien. This option can help if you're trying to secure financing, for example if you want to buy a home or refinance your mortgage to pay off your tax debt.
Not sure which lien option applies to your situation? Let our team review your case for free.
When the IRS assesses a tax liability, sends a bill, and doesn't receive payment, a tax lien arises. It's called a statutory tax lien, and it happens automatically. This typically happens if you file a return without paying or the IRS adjusts your return after a tax audit or review. But at this point, there's still no public record of the lien.
If you don't pay, the IRS will eventually file a Notice of Federal Tax Lien (NFTL). That is a public record, which alerts creditors about the existence of the lien, and it can create real-world problems with sales, business financing, and lending.
The IRS files this claim when a tax debt goes unpaid, and it attaches to everything you own until you resolve the matter. It covers all property you currently own, plus any assets you acquire while the lien is active. That includes real estate, vehicles, financial accounts, and business assets.
Ignoring a federal tax lien can lead to the following problems:
State tax liens can also create all of these problems, and often they last longer than IRS liens. For example, California FTB tax liens can last for 20 years, which is why CA-specific services are important if you're dealing with both state and federal tax liens.
Many people assume a lien has destroyed their credit score, but that's not the case. Federal tax liens have not appeared on consumer credit reports from the three major bureaus since 2018. However, because they're part of the public record, lenders will find them during the underwriting process, which affects your ability to get credit.
Liens appear in public records and title searches, which creates serious obstacles the moment you try to sell a property, borrow money, refinance a loan, or apply for business credit.
Handling a federal tax lien doesn't have to be complicated. Our team at Tax Network USA will work to understand your debt situation and find the most effective solution for you. We understand that not knowing is often the hardest barrier. Here's how our process works:
When you contact us, we start by reviewing your notices, the amount owed, and your overall tax situation. That helps our team to understand exactly where you stand before recommending any course of action.
Next, we pull your IRS records directly to confirm the lien details and identify any additional liabilities you may have. This helps us to determine where your account sits in the collections process. We'll also look for signs that the IRS is getting ready to move forward with a bank levy or a wage garnishment to ensure you aren't at risk.
Once we understand your case, we can decide whether release, withdrawal, discharge, or subordination is the right path forward. Our team will also assess whether a broader resolution, such as an installment agreement, an Offer in Compromise (OIC), currently not collectible (CNC), or penalty abatement, is worth pursuing. If you have unfiled returns, we'll help you deal with those as well so you can qualify for a result option.
We communicate with the IRS on your behalf and file the appropriate forms and requests. That means that you no longer have to deal with the IRS directly when you work with us.
The final step is resolution. We work toward removing or resolving the lien on your behalf. After that, we will make sure you have a clear path to staying compliant going forward.
At Tax Network USA, we are a full-service tax firm specializing in solving even the most complex of cases. Federal liens are some of the most common issues we handle, and we have years of collective experience supporting taxpayers and business owners.
Our team of licensed tax practitioners understands the complexities of the IRS's process. We can offer realistic and straightforward resolution options, tailored to your tax debt situation.
Here's why working with our team is the best way to resolve your tax lien:
Our consultation is free and confidential. Starting the process couldn't be more straightforward. We offer a free consultation to help you better understand your tax debt. After the call, there's no obligation to move forward. Book a consultation with us now.
A tax lien is a legal claim against your assets that applies to your account automatically when you don't pay tax debt. A tax levy, on the other hand, is the actual seizure of those assets. Read more about liens vs. levies.
A federal tax lien generally lasts 10 years from the date of assessment. However, the agency can extend this period in certain circumstances, making expert representation critical.
The short answer is no. Federal tax liens have not appeared on consumer credit reports from Equifax, Experian, or TransUnion since 2018. They don't directly affect your credit.
However, they do appear in public records and title searches. Realistically, that can impact whether you are able to sell your property or refinance it.
Yes. Withdrawal removes the public Notice of Federal Tax Lien, sometimes even if the underlying debt has not been fully paid. However, this option is only available in certain scenarios. Working with a qualified tax professional is the easiest way to get your withdrawal approved.
Filing for bankruptcy is not the answer you may think it is. This approach temporarily halts any IRS collection activity, but it doesn't automatically remove a federal tax lien. Liens can survive bankruptcy and remain attached to property you owned before filing. Of course, this depends on the type of bankruptcy and the nature of the tax debt.
To find out if you have a tax lien against you, you can search public county records wherever you own property or look at your IRS account online. The IRS also sends a Notice and Demand for Payment. If you are unsure whether a lien has been filed against you, a tax professional can pull your IRS transcripts to confirm.
Paying the full amount leads to a lien release. The IRS is required to issue this release within 30 days of full payment. A release confirms the debt has been satisfied, but doesn't erase the lien from public records.
The IRS Fresh Start Program increased the threshold for when the IRS files a Notice of Federal Tax Lien. It's not actually a program that helps taxpayers now but instead a set of changes the IRS made to collection processes over 15 years ago. However, our services can help you get a fresh start.
Acting fast is essential when you're facing a tax lien. Tax Network USA resolves both the lien and the underlying tax debt that caused it.
The first step is a free, confidential consultation with our expert team. The sooner you take action, the more resolution options you will have. Contact our team today and start putting your tax debt problems behind you.
