Quick Answer:
An IRS or NCDOR tax lien is a legal claim against your property when you owe back taxes. It can harm your credit, block property sales, and make it harder to get loans. To remove or avoid a lien, you must pay the tax in full, negotiate a settlement, or enter an installment agreement. Acting quickly before the lien is filed is the best way to protect your assets.

What Is a Tax Lien?

A tax lien is the government’s legal right to your property if you don’t pay your tax debt. Both the IRS and NCDOR use liens to secure payment for unpaid taxes.

How Tax Liens Affect You in Lake Norman, NC

  • Credit Damage – Liens can stay on your record even after payment.

  • Property Restrictions – Selling or refinancing may be blocked.

  • Business Impact – Liens can affect business credit and asset sales.

How to Avoid a Tax Lien

  1. Pay in Full Before Filing – The simplest way to avoid a lien is to pay your balance before the IRS or NCDOR files it.

  2. Set Up a Payment Plan – Installment agreements can stop lien filing.

  3. Request Currently Not Collectible Status – If you can’t pay now, the IRS may pause collection efforts.

How to Remove an Existing Tax Lien

  1. Pay in Full – Lien is released within 30 days of full payment.

  2. Request Withdrawal – Removes the lien from public record if you qualify.

  3. Offer in Compromise – Settle the tax debt for less than owed.

  4. Subordination – Allows other creditors to take priority, making loans or refinancing possible.

Special Considerations for NCDOR Liens

North Carolina tax liens are filed with county clerks and can impact both real estate and personal property. The process for release is similar to the IRS, but requires specific filings with the county.

Why Work With Polaris Tax & Accounting

  • We negotiate directly with the IRS and NCDOR to release or prevent liens.

  • We create custom strategies based on your financial situation.

  • We ensure all paperwork is filed correctly and quickly to protect your assets.

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Don’t wait until a tax lien threatens your property or credit. Contact Polaris Tax & Accounting today for a confidential consultation and start protecting your financial future.