34 lines
2.1 KiB
Markdown
34 lines
2.1 KiB
Markdown
# Remove Tax Liens
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HOW TO REMOVE TAX LIEN JUDGEMENT
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Step 1: Complete IRS Form 12277
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This form serves as a request for withdrawal of the original tax lien. Before filling out this form, try to locate the
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Form 668(Y) you were sent by the IRS as notification of the original tax lien. This can help to expedite the
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process. However, you can still fill out this form if you don’t have the 668(Y).
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For questions 11 on the form, select the option that states:
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“The taxpayer, or the Taxpayer Advocate acting on behalf of the taxpayer, believes withdrawal is in the best
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interest of the taxpayer and the government.”
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For question 12, enter the words “Fresh Start Program.”
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Step 2: Send Form 122277 to the IRS
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Use IRS publication 4235 to determine the regional IRS where your form should be mailed. Send your form via
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certified mail.
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Step 3: Wait for response from IRS
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After 30-45 days, the IRS will contact the court house where the lien was filed to notify them to withdraw it. You
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will also be sent a copy of this notification.
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Step 4: Dispute the lien with the Credit Reporting Agencies
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When you dispute a tax lien with Equifax, Experian or TransUnion, they contact the courthouse where the lien
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was filed to determine if the information is still accurate. Since the courthouse has been notified that your lien
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was withdrawn, by disputing the lien with the above Credit Reporting Agencies at their respective websites, you
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should be able to have the lien removed quickly.
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Step 5: Final confirmation
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Each of the credit reporting agencies will send you a notification of how your dispute turned out. If the lien was
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not removed from any or all of your reports, file a second dispute in writing and include a copy of the notification
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from the IRS that your lien has been withdrawn.
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Tax liens on a credit report can not only bring down your credit score significantly, but they can also be a
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deciding factor in a lender deciding to deny you a loan or credit card. Getting them resolved and off your credit
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reports a quickly as possible is imperative. If you have unpaid liens, visit IRS.gov to learn more about your
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options for settlement or payment plan.
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