Orlando, Florida, Bankruptcy and Home Lien Lawyers
If you have a lien against your home due to an IRS tax debt or lawsuit judgment, you may be able to have that lien removed by filing bankruptcy. At the Law Office of Paul L. Urich in Orlando, Florida, our lawyers offer a free initial consultation to explain how home liens work and whether your lien can be removed by filing bankruptcy.
A home lien represents a secured debt, since it is backed up by the value of your home. While Florida homestead laws protect equity in homes from legal judgments, having a judgment lien against your home will create a problem when you try to sell it. If you sell or refinance your home, the lien would have to be paid at closing in order to provide clear title to the buyer.
Our lawyers can file a motion to void a judgment lien. Once we obtain an order, you will need to record a certified copy in the official records of the county in which your Florida homestead property is located.
In a Chapter 7 bankruptcy, an order to void a judgment lien will discharge the debt. In a Chapter 13 bankruptcy, the judgment lien will be treated as unsecured, which means that you will pay a percentage of it. This percentage will be determined by how much you can afford to pay.
Tax liens on homes
Tax liens on your home are harder to remove than judgment liens. However, some tax debts can be removed by filing Chapter 13 bankruptcy. Contact our lawyers to discuss the particular details of your case.
Free bankruptcy consultation: Call 407-896-3077 or fill out our contact form to discuss your case with a Florida bankruptcy attorney at no charge.