How to Remove a Lien from Your Property
Step-by-step guide to identifying, resolving, and removing liens from your property title.
Understanding Property Liens
A lien is a legal claim against your property by a creditor. Liens must be resolved before you can sell or refinance your property, making it crucial to understand how to remove them.
Common Types of Liens
Tax Liens
Placed by federal, state, or local governments for unpaid taxes. These take priority over most other liens.
Mechanic’s Liens
Filed by contractors, suppliers, or laborers who haven’t been paid for work on your property.
Judgment Liens
Result from court judgments against you in lawsuits.
HOA Liens
Filed by homeowners associations for unpaid dues or assessments.
Steps to Remove a Lien
1. Verify the Lien
First, confirm the lien exists by:
- Checking county records
- Reviewing your title report
- Requesting a current title search
2. Determine Validity
Not all liens are valid. Check if:
- The lien was properly filed
- The statute of limitations has expired
- The debt has been paid but not released
3. Pay or Negotiate the Debt
If the lien is valid:
- Pay the full amount if possible
- Negotiate a settlement for less than owed
- Set up a payment plan with the lienholder
4. Obtain a Lien Release
Once paid, the lienholder must provide a release or satisfaction of lien. This document must be recorded at the county recorder’s office.
5. Record the Release
The final step is recording the lien release with the county. This officially removes the lien from your property title.
When to Dispute a Lien
You should dispute a lien if:
- The debt was already paid
- The work was never completed
- The lien amount is incorrect
- The filing deadlines weren’t met
How We Can Help
Dependable Title Services can assist with:
- Preparing a lien release form or a mechanics lien release
- Recording lien releases
- Obtaining a certified copy of the recorded release
Our online platform streamlines the entire process, keeping you informed every step of the way.
Start your lien preparaion or recording process today or contact our team for personalized assistance.