Secure a Lien Release in MN Instantly [Step-by-Step Guide]

How to Secure a Lien Release in MN Instantly

If you have a lien against you, you may be wondering what options you have and what you can do to release it. The process of varies based on the type of lien you have and the party you owe money to. It can be difficult to sort out exactly what you need to do for different types of lien. That's why DoNotPay is here to make the process of releasing your liens in Minnesota simple.

What Is a Lien?

Simply put, a lien is a method your creditors can use to ensure that you pay your debts. Liens give your creditors the right to seize your property, making you unable to sell it until you pay back your debt.

These are filed publicly with the office of the Secretary of State or your county recorder, letting anyone who is interested in buying the property know that the lien has to be cleared before the property is sold. Liens can be filed against homes, vehicles, and other assets you own (including furniture and collectibles), even if you owned them free and clear before the lien was filed. Because they're matters of public record, anyone can see that you have a lien against you.

What Types of Liens Are There in Minnesota?

There are two main forms of : consensual and non-consensual.

Consensual Liens	Consensual liens are liens that you willingly sign onto. Most commonly, this happens when you use your car (or other valuable property) as the collateral for a loan —the bank doesn't want you to sell your car before you repay them! As long as you pay them back, consensual liens don't hurt your credit score.
Nonconsensual Liens	If the lien was filed against you without your participation, it's considered to be a nonconsensual lien. These are not directly reported to credit bureaus, but because they are public records, having a nonconsensual lien against you will usually harm your credit score.

Nonconsensual liens can be further split into two main types: statutory and judgment liens. Statutory liens are filed directly by the party you owe. This can include:

Tax liens
Mechanic's liens
Real estate/mortgage liens
Bank liens
Landlord's liens

Judgment liens, on the other hand, are assigned by a court ruling. If a judge rules against you in court, and you don't have enough liquid funds to pay your fines, they may place a lien against your property in order to ensure that you pay the winner of the case.

How to Remove a Lien in Minnesota on Your Own

If you want to on your own, you have a few options.

The first and easiest option is to pay your debt in full. If you do this, the lien will be removed within 30 days. If you pay your debt using secure funds, the lien is released immediately. Otherwise, it is released 30 days after you pay your debt.
If you need to sell the property but won't make enough money to pay off the lien, you can file for a partial lien release. Fill out Minnesota's forms for partial lien releases on real property or on personal property to detach the lien from your property. You'll still owe the money and have the lien against you until you pay the debt, but you will be able to sell the item.
You can also get a lien subordination, most commonly for mortgage liens. This lets you remortgage your house while you have a lien against it.

What Does a Minnesota Lien Release Form Do?

don't free you from the debt you owe. However, they enable you to sell your property, paying part of the debt back while retaining the bulk of the lien. This can be useful if you want to transfer the title of a vehicle that has a lien on it or if you're not going to be able to pay back the full debt by selling your property.

How to Remove a Lien in Minnesota With DoNotPay

The easiest way to release a is to use DoNotPay. In three simple steps, you can be on your way to financial freedom.

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.

And that's it. DoNotPay will do the rest for you, saving you time and a lot of hassle.

DoNotPay Works With All Liens With the Click of a Button

It isn't just that DoNotPay can help you release but in every state. Whether you need a lien release on your car or on your house, whether you're in Arizona or Wyoming, DoNotPay's Remove My Lien product can get the paperwork together, so you make your case right the first time.