IRS Tax Liens: What You Need to Know

When unpaid taxes go unresolved, the IRS can place a Federal Tax Lien on your property—marking a serious escalation in enforcement. A lien is the government’s legal claim to your assets and is often the first step in a broader collection effort.

At PSA CPA, we understand how damaging a tax lien can be to your personal finances, business operations, and credit standing. That’s why we act quickly to help you resolve the issue and protect your future.

What Is an IRS Tax Lien?

A Federal Tax Lien arises when you fail to fully pay a tax debt after the IRS sends you a bill (a Notice and Demand for Payment). The lien attaches to all your assets—current and future—including:

• Real estate

• Vehicles

• Bank accounts

• Business assets, including accounts receivable

This legal claim extends beyond your individual property. It can impact jointly owned assets, marital property, or business partners if the business is tied to your tax ID.

How a Tax Lien Affects You

A lien can have long-term consequences, even if you eventually pay your debt:

• Credit Damage: A tax lien may appear on your credit report and lower your score—reducing your chances of qualifying for loans, credit cards, or refinancing.

• Blocked Financial Access: You may be denied business loans, personal lines of credit, and even standard checking accounts.

• Real Estate Limitations: Selling or refinancing a home becomes far more difficult with an active lien on the title.

• Higher Costs: Lenders may impose higher interest rates (often 18%–22%) on loans due to your increased risk profile.

Why Prompt Action Matters

The longer a lien remains in place, the more entrenched the consequences become. Your ability to build wealth, grow your business, or invest in your future can be severely limited.

But there are options. Depending on your situation, we may be able to:

• Remove the lien entirely through full payment or settlement

• Request a lien withdrawal to eliminate its public record impact

• Apply for a lien subordination to allow refinancing or asset sales

• Negotiate a payment plan or Offer in Compromise to resolve the debt affordably

How PSA CPA Can Help

We specialize in resolving complex tax problems, including removing or minimizing the impact of IRS tax liens. Our experienced team will:

• Review your case and explain your rights and options

• Communicate directly with the IRS on your behalf

• Strategically pursue lien resolution through legal channels

• Work to prevent further enforcement actions like levies or seizures

Don’t Wait—Protect Your Assets and Credit Now

If you’ve received notice of a tax lien—or suspect one may be filed soon—contact PSA CPA immediately. The earlier we intervene, the more options we have to protect your finances and resolve the debt on favorable terms.

📞 Schedule a confidential consultation today and take the first step toward financial peace of mind.