If you’re facing an IRS tax lien in Plantation, FL, you’re not alone. Many residents discover the problem only when they’re applying for a mortgage, refinancing a home, or trying to sell property. A federal tax lien can block those plans fast. At Polaris Tax & Accounting, we help South Florida taxpayers resolve IRS liens quickly and permanently.
What Is an IRS Tax Lien?
An IRS tax lien is the government’s legal claim to your property when you fail to pay a tax debt. It applies to:
- Real estate (including your home)
- Personal property (cars, boats)
- Financial assets (bank accounts)
Once the IRS files a public notice—called a Notice of Federal Tax Lien—it alerts creditors and can severely damage your credit score. In Broward County, these liens are recorded with the Broward County Recorder’s Office, making them discoverable during any property transaction.
How IRS Liens Affect You in Plantation
- You may be denied home refinancing or mortgage approval.
- You could lose buyers when trying to sell your home.
- Banks may freeze access to credit or financing.
- Credit score drops can affect auto loans, insurance rates, and more.
How to Remove or Release a Tax Lien
Removing a lien isn’t automatic, even after paying the debt. The IRS offers several options:
1. Full Payment and Lien Release
Paying your debt in full is the most direct way to have the lien released. The IRS will release the lien within 30 days after payment is made.
2. Lien Withdrawal
You may qualify to have the lien withdrawn even before full payment, particularly if:
- You’ve entered into a Direct Debit Installment Agreement
- You meet all filing and payment compliance
- The withdrawal will help you remain compliant in the future
3. Discharge of Property
If you’re selling or refinancing, the IRS may discharge a specific property from the lien—allowing a clean title transfer.
4. Subordination
Subordination doesn’t remove the lien but allows other creditors to take priority, potentially enabling refinancing.
How Polaris Helps Plantation Residents
We don’t just file paperwork—we advocate with the IRS on your behalf. Our approach includes:
- Analyzing your IRS account transcripts
- Determining lien amount, origin, and status
- Recommending and implementing the best resolution strategy
- Negotiating with IRS agents for faster lien release
- Coordinating with your lender or real estate agent when needed
Internal Resources to Help You:
- Installment Agreements in Plantation, FL
- Offer in Compromise in Plantation, FL
- IRS Notice Response in Plantation, FL
Frequently Asked Questions (FAQ)
How do I know if a lien has been filed against me?
You’ll receive IRS Letter 3172, and the lien is recorded in public records (Broward County for Plantation residents).
Can I sell my home with a lien on it?
Sometimes, yes—but you’ll need an IRS lien discharge to close the transaction. Polaris can help facilitate that.
Will the lien go away after bankruptcy?
Not always. Bankruptcy may discharge your tax debt, but the lien can still remain on your property until officially released.
What’s the fastest way to remove a lien?
It depends on your situation. We’ve helped clients remove liens through full payment, streamlined installment plans, and even hardship filings.
Need Tax Lien Help in Plantation?
Don’t let an IRS tax lien stop your plans or ruin your finances. At Polaris Tax & Accounting, we help Plantation residents resolve IRS tax liens and get back in control—quickly and confidentially.