Definition
A lien is a legal claim or right against a property that serves as security for a debt or obligation. It gives the lienholder a security interest in the property, meaning the property cannot typically be sold or refinanced with clear title until the lien is satisfied (paid) or released. Liens can be voluntary, such as mortgages or car loans where you agree to the lien as collateral for the loan, or involuntary, such as tax liens (imposed by government entities for unpaid taxes), judgment liens (resulting from court judgments), or mechanic's liens (filed by contractors for unpaid work on the property).
Frequently Asked Questions
How do I know if there's a lien on my property?
To find out if there's a lien on your property, you can: (1) Check your county recorder, clerk, or assessor's office, where liens are typically filed as public records; (2) Order a title search from a title company, which will reveal any liens against the property; (3) Review your credit report, though most liens no longer appear on credit reports; or (4) Search online if your county has property records available electronically.
How do I remove a lien from my property?
The most straightforward way to remove a lien is to pay the debt that led to the lien (satisfaction). After payment, ensure the lienholder files a lien release with the appropriate government office. If you believe the lien is invalid, you can attempt to have it removed by: (1) Requesting withdrawal from the lienholder; (2) Filing a dispute with the recording office; (3) Negotiating a settlement with the lienholder; or (4) Taking legal action to contest the lien in court.
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