How to Find Out if There is a Lien on My House?
Is there a lien on my house is one of the most common questions that homeowners ask when they are in debt. If you fail to pay a debt, whether it's an unpaid bill from a contractor or tax owed to the IRS, a lien will be placed against your home.
Unfortunately, a lien on your house could mean costly bills, problems with the mortgage, and even potential legal issues. You need to remove the lien to regain control of your property. You can do so by paying the debt to clear the property title and filing for the release of the lien. If you think the lien was fraudulently obtained, you can go to court and have the lien removed.
DoNotPay can help you navigate the entire process to move past the lien and secure your property. We can also provide answers to questions like:
What is a House Lien?
A house lien is a legal notice attached to your house title because of an unpaid debt. When you fail to meet the contract or loan obligations, it gives the creditor the legal rights to seize and sell your house (which serves as collateral property). Unless you clear the lien, you won't be able to refinance or sell your property.
Some liens, like mortgage liens, are consensual. When you borrow money from a bank to buy a home, the bank places a lien on the property until you finish paying the mortgage. But others, like tax liens, are involuntary and involve a creditor placing the lien against your house when they seek judgment for debt non-payment.
How to Check If You Have a Lien on Your House
There are several resources available if you want to find lien information. Liens are matters of public record, so they're accessible if you know where to look. Here's how to find property lien information
- Perform an Online Search – many government agencies at local, state, and federal levels store records digitally. Access this information through your assessor, county recorder, or clerk's office website. All you need is your name and address.
- Visit in Person – if you can't find the information online, you can visit your assessor, clerk, or recorder in person. They'll help you search or direct you to the right person.
- Work With a Title Company – a title company representative can help you find lien information.
Does a House Lien Hurt My Credit Score?
Having a mortgage lien on your house is not bad, as it is part of the home-buying process. A voluntary lien won't harm you as long as you keep up with regular payments. However, home liens are not the same. Some, like judgment and mechanic's liens, can damage your credit score and affect your financial future. That's because they play a part in your repayment history, which accounts for over a third of your credit score.
Can I Sell a House With Lien on It?
Trying to sell a house with a lien can create complications for you and the buyer. A lien limits what you can do with your house as creditors have a stake in it that compensates for what you owe. In some cases, a lien may also give the creditor the right to possess the property to pay the date owed.
You'll need a clear title to sell a home. This means paying off all existing liens and encumbrances. You can do this by repaying what you owe in full or through negotiations. The creditor should issue a lien release, as this will serve as evidence that the lien has been lifted.
Alternatively, you can:
- Transfer the lien to the new buyer
- Transfer the lien to another real estate
- Dispute the property lien
How to Remove a Lien on Your House
The easiest way to remove a lien from your house is to pay it off. Once you've satisfied the debt, you can file a Release of Lien Form to prove that the debt has been paid. You can also remove lien through the following.
|Bankruptcy Lien Avoidance||Your assets can be examined under Chapter 7 and Chapter 13 and your liens are considered for avoidance. This is often used to remove court-ordered money judgment liens.|
|Lawsuits||If you believe that the lien on your house is illegitimate, you can file a quiet title action to force the creditor to defend their liens in court. Note that court cases take time and money.|
|Release of Lien||In some cases, all you'll need to do is ask the creditor to remove that lien.|
|Negotiate||You can negotiate with the creditor informally or through arbitration or mediation and have them remove the lien.|
Remove a Lien With DoNotPay
If you're having a hard time removing a lien from your home or don't wish to go through the entire process, DoNotPay can help. We will collect all the necessary details around your lien situation and write to the creditor requesting a renegotiation of the terms of your debt based on your needs. We can also complete the Release of Lien form and send it to the creditor to sign, helping you remove the lien from your record and out of mind once you renegotiate your debt.
All you have to do is:
- 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 Works Across All Companies With the Click of a Button
DoNotPay can help with liens on your car the same way it could for properties. We work across all entities and companies and can help you:
- Remove a state tax lien from public record
- Remove a lien on property
- Fill out lien release form
- Figure out how to find out if you have a lien against you
What Else Can DoNotPay Do?
In addition to helping you remove a lien on your house, DoNotPay can help you resolve a range of other issues, including:
- Property taxes
- Help with bills
- Close bank accounts
- Small claims court
- Increase credit limit
- Clean credit report
- Customer service
- Release of liability
Sign up today to get started.