IRS tax lien help

Tax Lien Help for Property and Financing Issues

A tax lien can complicate a home sale, refinancing, business decision, or already-stressful tax balance. MBA Financial Tax & Accounting helps you understand the notice, the account, and the next move before deadlines or property decisions get harder.

Call (989) 686-NO DEbt (6633)See what to gather

Homeowner reviewing tax notices, property records, and a calculator at a dining table

Do not treat a lien notice like ordinary mail.

A lien is not the same as a levy, but it can affect property and financing decisions. The notice, tax years, filing history, balance, and timeline all matter before you choose a response.

Notice of Federal Tax Lien
A home sale, refinance, or loan application is approaching
A lien appears in a title, credit, or public-record search
A business account, receivable, or asset is involved
A balance due is tied to unfiled returns or older tax years
A levy notice, wage garnishment, or bank issue is also involved

How MBA starts

A lien problem needs the full picture before a promise.

The IRS describes a federal tax lien as a legal claim against property for an unpaid tax debt. The practical question is what the lien is affecting now and which facts support the right next request.

Notice and account review

MBA Financial identifies the tax years, balance, notice type, filing history, payment history, and the immediate decision the lien is affecting.

Property and cash-flow picture

The review organizes the property, equity, financing, income, necessary expenses, business obligations, and other facts that can shape the next request.

Resolution and filing path

Required returns, payment arrangements, hardship facts, penalty questions, and other account issues are put in order before a long-term option is chosen.

Lien-specific options

Depending on the facts, the conversation may involve release, withdrawal, discharge, subordination, an appeal, or another tax-resolution strategy.

Tax notices and document review materials

Possible next moves

The right lien request depends on the purpose.

A lien release, withdrawal, discharge, and subordination are different actions. One may relate to a paid or no-longer-collectible account. Another may matter for a particular property, a pending sale, or a financing path. The account facts determine whether any option fits.

MBA Financial helps organize the information before you make a decision based on a headline, a form name, or a one-size-fits-all promise. For a clear explanation of the distinction, read the IRS guide to liens and levies.

Talk through your lien notice

Bring the facts

What to gather before your tax lien conversation.

Start with the records you have now. A complete file can be built from there, but the notice and any property or lender deadline should not wait.

Every IRS or state notice, including the Notice of Federal Tax Lien and its envelope when available

A title report, lender request, purchase agreement, refinance paperwork, or closing timeline if property is involved

Recent pay stubs, bank statements, benefit statements, or business income records

Mortgage or rent, utilities, insurance, vehicle, medical, dependent-care, and other necessary living costs

Filed returns, missing-year records, W-2s, 1099s, K-1s, and business bookkeeping reports

Confidential help

Get a tax professional between you and a property decision.

Call MBA Financial Tax & Accounting before a lien, notice, sale, refinance, or collection issue takes more control of your next move.

Local: (989) 686-NO DEbt (6633)Toll-free: (877) 306-2246Monday-Friday, 8am-7pm · Saturday, 10am-4pmCall or text 24/7. If you reach us after hours, leave a message and we will contact you the following business day.

Frequently asked questions

Is a tax lien the same thing as a tax levy?

No. A lien is the government's legal claim against property for an unpaid tax debt. A levy is a collection action that can take money or property. The notice you received and the account facts determine which issue needs attention first.

Can a tax lien affect selling or refinancing a home?

It can. A federal tax lien may need to be addressed before a property sale or refinancing can close. The right next step depends on the property, equity, tax balance, transaction timeline, and the type of IRS lien action involved.

Does a lien release erase the underlying tax debt?

Not necessarily. A lien release, discharge, subordination, or withdrawal can each mean different things. The underlying tax account may still need a payment, correction, settlement, hardship, or other resolution path.

Can MBA Financial help if I have a lien and unfiled returns?

Yes. Required returns often need attention before a durable collection resolution can be considered. MBA Financial can help identify the missing years and organize the records needed to move the account toward compliance.