Lien Guidance
Protect your home, your accounts, and your good name.
A tax lien can follow you when you try to sell, refinance, or borrow. We explain what your lien means and prepare the paperwork for release or withdrawal when you qualify.
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The situation
A federal tax lien is the IRS's legal claim against everything you own — your home, your car, your bank accounts, even future property. A levy goes further: it's the actual seizure of money or property to pay the debt.
Both are serious, and both can be addressed. Liens can be released, withdrawn, subordinated, or discharged from specific property. Levies can be released when the right resolution is in place. We help you understand which tool fits your situation and handle the IRS for you.
Does this sound familiar?
- You received a Notice of Federal Tax Lien Filing (Letter 3172)
- Your bank account was frozen or emptied
- A lien is blocking you from selling or refinancing your home
- You're worried about losing property you've worked for
What you should know
Understanding lien guidance.
Lien vs. levy
A lien is a claim that secures the debt; it doesn't take anything by itself but can affect your ability to sell, refinance, or borrow. A levy actually takes property — bank funds, wages, retirement accounts, or other assets.
Options for liens
Depending on your situation, a lien may be released once the debt is paid or resolved, withdrawn from public record in certain cases, discharged from a specific property so a sale can close, or subordinated so a refinance can happen.
Bank levies have a short window
When the IRS levies a bank account, the bank holds the funds for 21 days before sending them. Acting inside that window matters.
How we deliver
Your path, step by step.
- 1
Free confidential review
We review the lien or levy notice, the amount owed, and what property is affected.
- 2
Transcript & record review
We pull your IRS records to confirm balances, deadlines, and every year involved.
- 3
Choose the right remedy
Release, withdrawal, discharge, subordination, or a levy release tied to a payment plan — we match the remedy to your goal.
- 4
Prepare & submit
We prepare the forms and supporting documentation and walk you through submitting them to the IRS.
- 5
Confirm & protect
We confirm the outcome with the IRS, your bank, or your closing attorney and keep you compliant going forward.
What you receive
Delivered to you.
- Clear explanation of what the IRS can and can't take
- The correct release or relief request, fully prepared
- Coordination with banks, lenders, or title companies when needed
- A long-term plan so it doesn't happen again
If you wait
- —Levied bank funds are sent to the IRS
- —Home sales and refinances stall
- —Credit and lending options shrink
- —More property can be targeted
After it's resolved
- Access to your accounts again
- Freedom to sell or refinance
- A clear path to a released lien
- Confidence that your assets are protected
Questions
Common questions.
+How fast do I need to act on a bank levy?
Banks hold levied funds for 21 days before sending them to the IRS. Call as soon as you see a freeze so we can act within that window.
+Can a lien be removed before the debt is fully paid?
In some situations, yes — for example, a withdrawal may be available after entering certain payment agreements, or a discharge can free a specific property. We'll tell you what applies to you.
+Will a lien affect my credit?
Lenders can see federal tax liens in public records, which can affect borrowing. Resolving and, where possible, withdrawing the lien helps.
Every situation is different. Results depend on your individual facts and IRS or state agency decisions; no specific outcome is guaranteed.
Free Review · Lien Guidance
Know your options today.
Call 843-534-1347 for a confidential conversation about your lien guidance situation. No obligation, no judgment.