How to Fight a Lien Off of Your Property Without the Hassle

is not the easiest thing you'll ever do in life, especially if that lien happens to be a tax lien on your property. It's not always tax liens that are put on your property, but it's a very common example of one. Another common example would be if you borrowed money from a bank to pay off your home; the bank will technically own the title to your property until the loan is paid off. Even so, how do you fight a lien on your property?

If you're not sure where to start when it comes to fighting a lien on your property, you don't need to worry. DoNotPay will help you get it cleared quickly and easily if it's eligible. Whatever the case, you won't have to figure everything out on your own.

What Is a Lien on Your Property?

means you owe money to someone, and they have the authority to sell your house if you don't pay them back. It might sound like a bad thing to have a lien on your property, but that isn't always the case. If you've taken out a mortgage on your house, then you have a lien on it. It's extremely common for people to do this, as most people don't have the money to pay for a house all at once.

The IRS or Medicaid may also place a lien on your property if you owe money to them. These types of liens may be a little harder to clear, but it's not impossible to do so. Just be diligent about making your payments.

How to Check if You Have a Property Lien

If you're unsure whether there's a lien on your property, there are a few ways you can check online. Usually, this involves looking through county records or working with a title agent.

Here is What You Should Check For if You Have a Property Lien

Check County Records	In most cases, liens are public information, meaning you should be able to easily find out if you have a lien on your property online. You may have to check with your county clerk's office, however.
Find a Title Agent	Title agents are experts in the field, meaning they have experience locating liens and pulling property records. You can also purchase title insurance through one of these agents.
Online Search Lien Tool	An online tool such as Property Sharks or Courthouse Direct can search for lien records after you pay a small fee to their website.

How to Fight a Lien On Your Property

Despite there being several types of liens that can be placed on your property, there is only one property you can actually fight. This kind of property lien is called a mechanic's lien, which is a lien placed on a property by a contractor usually due to unpaid fees. In this case, you usually don't have to worry about the contractor selling your home to make up for lost profit, but this doesn't hold true in every single situation. It will, however, make your home hard to sell or refinance.

Fortunately, you can fight a mechanic's lien on your property, though it is quite pesky to deal with. Here are the ways you can try to remove the mechanic's lien on your property through:

Negotiate With the Contractor. Not paying fees due is frustrating to any member of the working class, especially those who work in trade or get most of their paycheck through commission. However, they don't want to do deal with liens either, so negotiating a settlement with a contractor is often the best route to take. This may include making payments over time, settling for a smaller amount to pay all at once, or, sometimes, just talking to them and promising to pay can get the lien removed. You need to be honest with the contractor though.
File a Lien Bond. A lien bond is a type of insurance purchased from an insurance company to cover the amount of the lien. This provides the county clerk with the knowledge you have the means to pay the lien, and it's then removed from your property. This is only recommended if you're selling or refinancing your property.
File a Lawsuit. If you decide to take the contractor to court over the lien, they'll have to prove to the judge why you owe the money they say you do. If you win, the lien will be removed, and you may not have to pay the contractor any money at all. This should be done as a last resort, however.

Fight a Lien On Your Property With DoNotPay

is hard work, but it doesn't have to be. DoNotPay can easily help you take care of the problem by crafting a letter to send to your creditor! It makes things so much easier and can help you negotiate payments or another arrangement with the contractor that put the lien on your property. All it takes is three simple steps.

Search for remove my lien on DoNotPay.
Start our Remove My Lien product.
Answer some questions about your specific lien and let us help you craft a letter to your creditor to resolve the issue.

DoNotPay Can Answer All Your Lien Questions

Don't worry if you have any other questions about liens; DoNotPay can answer them. There are many different questions a person may have about a specific type of lien or just a question about liens in general. Looking it up online can lead to confusing results, but DoNotPay makes it easy to understand. Some common questions they can answer include: