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relationship. Persons accessing this site are encouraged to seek independent counsel for advice regarding their individual legal issues. The hiring of a lawyer is an important decision that
should not be based solely on advertisements. Before you decide, ask us to send you free written information about our qualifications.
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Attorneys and Debt Counselors
3019 West Azeele St. Tampa, FL 33609
Tel. (813) 876-3328
Fax (813) 876-3306
3019 West Azeele St. Tampa, FL 33609
Tel. (813) 876-3328
Fax (813) 876-3306
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HELP WITH LIENS
TYPES OF LIENS
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TYPES OF LIENS
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Types of Liens as explained by our Tampa Attorneys
A lien is a legal claim against your property that prevents you from selling or transferring that property until a debt is
paid and the claim is discharged. A lien doesn't give someone else ownership of your property, but if you sell property
on which there is a lien, you are legally bound to pay off the debt out of the proceeds from the sale.
Any amount of unpaid debt can have repercussions, from harming your credit report to forcing you to into bankruptcy.
One other consequence is the filing of a lien against your property and some of these liens can create serious
problems for you.
paid and the claim is discharged. A lien doesn't give someone else ownership of your property, but if you sell property
on which there is a lien, you are legally bound to pay off the debt out of the proceeds from the sale.
Any amount of unpaid debt can have repercussions, from harming your credit report to forcing you to into bankruptcy.
One other consequence is the filing of a lien against your property and some of these liens can create serious
problems for you.
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TOPICS IN THIS SECTION
Federal Tax Liens
A lien can be placed on your property by the federal government for unpaid federal taxes. The Internal Revenue Service
(IRS) must notify you of the exact amount due and demand payment in writing. If you don't pay the entire debt within 10
days of the notice, you will receive Notice of a Federal Tax Lien and a lien will be filed against all your property,
including your house and car, and against all your rights to property, including any business assets.
Contractors' Liens
When you don't pay for work done on your property a contractor may place a lien on your home. Other professionals
can be allowed to file liens as well, including architects, engineers and surveyors.
Divorce Liens
A divorce lien is placed on property that is co-owned by former spouses. It ensures that the spouse who has the right
to live in the property gives the other spouse his share of any profit when the house is sold.
Homeowners Association Lien
A homeowners' association lien is filed against property when the owner fails to pay mandatory dues to the
association. If you sell a home that belongs to a homeowners' association, you must present a certificate from the
association that states all dues have been paid and your account is current.
Credit Card Debt, Loan Default Liens
Creditors can go to court and get judgment liens against you for unpaid debt. These include credit card debt, defaulted
bank loans and even repossessed vehicles.
Please call (813) 876-3328 to schedule a free consultation with a Tampa bankruptcy attorney from Attorneys and Debt
Counselors.
A lien can be placed on your property by the federal government for unpaid federal taxes. The Internal Revenue Service
(IRS) must notify you of the exact amount due and demand payment in writing. If you don't pay the entire debt within 10
days of the notice, you will receive Notice of a Federal Tax Lien and a lien will be filed against all your property,
including your house and car, and against all your rights to property, including any business assets.
Contractors' Liens
When you don't pay for work done on your property a contractor may place a lien on your home. Other professionals
can be allowed to file liens as well, including architects, engineers and surveyors.
Divorce Liens
A divorce lien is placed on property that is co-owned by former spouses. It ensures that the spouse who has the right
to live in the property gives the other spouse his share of any profit when the house is sold.
Homeowners Association Lien
A homeowners' association lien is filed against property when the owner fails to pay mandatory dues to the
association. If you sell a home that belongs to a homeowners' association, you must present a certificate from the
association that states all dues have been paid and your account is current.
Credit Card Debt, Loan Default Liens
Creditors can go to court and get judgment liens against you for unpaid debt. These include credit card debt, defaulted
bank loans and even repossessed vehicles.
Please call (813) 876-3328 to schedule a free consultation with a Tampa bankruptcy attorney from Attorneys and Debt
Counselors.
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Judgment liens
A home lien represents a secured debt, as it is backed up by the value of your home. While Florida homestead laws protect equity in
homes from legal judgments, having a judgment lien against your home will create a problem when you try to sell it. If you sell or
refinance your home, the lien would have to be paid at closing in order to provide clear title to the buyer.
For help with judgment liens, contact the Attorneys & Debt Counselors today.
A home lien represents a secured debt, as it is backed up by the value of your home. While Florida homestead laws protect equity in
homes from legal judgments, having a judgment lien against your home will create a problem when you try to sell it. If you sell or
refinance your home, the lien would have to be paid at closing in order to provide clear title to the buyer.
For help with judgment liens, contact the Attorneys & Debt Counselors today.
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