IRS Tax Liens

When Tax Liens Block Your Financial Future

Few things damage your financial life as comprehensively as a federal tax lien. It’s not just a number on your credit report—it’s a public declaration that the government has a claim on everything you own. Mortgage applications get denied. Business loans become impossible. Even simple refinancing gets blocked.

But tax liens aren’t permanent penalties. With the right relief strategy—withdrawal, release, subordination, or discharge—you can remove these obstacles and restore your financial freedom. The key is knowing which type of relief fits your situation and presenting your request properly the first time.

At Frazier Law, we specialize in eliminating tax liens through every available legal mechanism, giving you back control over your financial decisions.

How Tax Liens Destroy More Than Just Credit

Federal tax liens create a cascade of financial problems that extend far beyond your credit score:

Credit Devastation That Lasts Years Tax liens can drop credit scores by many points and remain on credit reports for years, even after the underlying tax debt is resolved.

Real Estate Transaction Failures Liens must be addressed before property sales can close. Without proper lien resolution, real estate transactions fail at closing, costing time, money, and opportunities.

Business Financing Obstacles Commercial lenders view tax liens as disqualifying factors for business loans, equipment financing, and lines of credit, potentially forcing business closures.

Professional License Threats Many professional licensing boards consider federal tax liens as evidence of financial irresponsibility, threatening careers in licensed professions.

Asset Complications Tax liens attach to all property—real estate, vehicles, business assets, and even future acquisitions—complicating every financial transaction.

How We Remove Lien Barriers and Restore Financial Freedom

Strategic Lien Release

When tax debt is resolved and liens should be removed

• Verify complete payment of underlying tax debt through transcript analysis
• Prepare Form 12277 application with documentation proving debt satisfaction
• Coordinate with IRS processing to ensure timely release and proper notification to credit bureaus
• Monitor credit report updates and address any remaining lien references

Lien Withdrawal for Credit Restoration

Removing public notice and credit damage

• Analyze eligibility for withdrawal under various provisions including compliance-based and hardship criteria
• Prepare comprehensive withdrawal application with supporting financial documentation
• Present case for withdrawal based on credit restoration and compliance history
• Coordinate notification to credit bureaus for expedited credit report correction

Property Transaction Solutions

Subordination and discharge for specific transactions

• Prepare lender-ready subordination packages for refinancing and property sales
• Coordinate discharge applications for partial property releases
• Manage closing timeline coordination with IRS processing requirements
• Handle last-minute documentation requirements that could delay transactions

Collection Due Process and Appeals

When lien filing was improper or unfair

• Challenge lien validity through Collection Due Process hearings
• Present Appeals cases for lien release based on procedural errors or legal grounds
• Negotiate alternative collection arrangements that eliminate need for liens
• Coordinate with underlying liability challenges when appropriate

Note: Trial preparation and representation handled through separate engagement

Our Strategic Process: From Lien Filing to Complete Resolution

Step 1: Lien Analysis and Strategy Selection We examine your lien filing history, underlying tax liability, and specific objectives to determine which type of relief provides the best outcome for your situation.

Step 2: Documentation Development We prepare comprehensive applications with all required supporting documentation, ensuring compliance with IRS procedural requirements that often trip up pro se applicants.

Step 3: Processing Management We handle all IRS communication, track processing deadlines, and resolve complications that could delay relief or cause denials.

Step 4: Credit and Legal Follow-Through We monitor credit report updates, coordinate with lenders when needed, and ensure that lien relief translates into restored financial opportunities.

Why Clients Trust Frazier Law With Tax Lien Resolution

Technical Expertise in Collection Law Led by Charles R. Frazier, Esq., LLM (Tax), we understand the complex procedural requirements that separate successful lien relief from costly denials and delays.

Multi-State Practice, Federal Collection Focus Licensed in Tennessee, Michigan, and Texas, we handle federal tax liens regardless of your location. Tax liens are federal collection matters requiring specialized federal expertise.

Advanced Financial Planning Credentials

• Certified Estate Planning Law Specialist (EPLS)
• Accredited Estate Planner (AEP)
• Charted Financial Consultant (ChFC)

These certifications demonstrate our ability to coordinate lien resolution with broader financial planning and asset protection strategies.

Lender and Transaction Experience We understand how lenders, title companies, and closing agents handle tax lien issues, allowing us to prepare documentation that facilitates rather than complicates transactions.

Comprehensive Lien Services for All Situations

Whether you need simple lien release after debt payment, complex subordination for business refinancing, or strategic withdrawal for credit restoration, we adapt our approach to your specific circumstances and urgency.

We also serve real estate professionals, lenders, and business advisors who need reliable tax lien resolution for their clients’ transactions.

Remove Lien Obstacles From Your Path

Don’t let tax liens control your financial decisions.

Schedule a confidential strategy session where we’ll analyze your lien situation, explain your relief options, and outline exactly how we can remove these barriers from your financial life. No obligation, no pressure—just practical solutions for serious obstacles.

Because your financial future shouldn’t be held hostage by past tax problems.

Frequently Asked Questions