A Federal Tax Lien Is Not Permanent, and You Have More Than One Way Out
A federal tax lien is the IRS legal claim against everything you own when you have unpaid tax debt. It can make it nearly impossible to sell or refinance your home, and it can follow your business. The good news is that a lien is not permanent, and there are several ways to deal with it. Peter Kici, EA, helps Central Florida taxpayers get liens released, withdrawn, or worked around so you can move on.
Call or text (407) 531-8705 for a free, confidential consultation
What a Federal Tax Lien Really Does to You
A lien attaches to your property, including real estate, vehicles, and business assets. It surfaces when you try to sell or borrow, and it signals to lenders that the IRS is first in line. Understanding exactly what has been filed against you is step one, and it is not always what people assume.
Release, Withdrawal, or Subordination: Which One You Actually Need
These are not the same thing, and picking the right one is the whole job:
- Release: the lien is satisfied and removed, usually once the debt is resolved.
- Withdrawal: the IRS removes the public Notice of Federal Tax Lien, which can help your standing even in some cases where a balance remains.
- Subordination: the IRS agrees to let another creditor move ahead of it, which can make a refinance or a sale possible.
We identify which one your situation calls for and pursue it.
Can You Sell or Refinance a House With a Tax Lien?
Sometimes yes, through a subordination or a discharge tied to the sale, and sometimes the cleanest path is resolving the underlying debt first. If a closing is already on the calendar, the timeline is tight, so the sooner we start, the more options you keep.
A Lien Is Not a Levy
People mix these up constantly. A lien is a claim on your property. A levy is the actual seizure. Different problems, different fixes. If the IRS is already taking money, see bank levy and asset seizure help or how to stop a wage garnishment, and read about defending against IRS collection actions.
Why a Local Enrolled Agent, Not a 1-800 Company
Lien work involves IRS paperwork, deadlines, and often coordination with a lender or title company here in Central Florida. You want a reachable, accountable professional, not a national call center. Before you sign with anyone, read how to spot tax debt relief scams.
Questions People Ask About Tax Liens
Will resolving the debt remove the lien from my record?
A release follows resolution, and a withdrawal can remove the public notice. We pursue both where they apply.
How long does lien removal take?
It depends on the path and on IRS processing. We give you a realistic timeline up front rather than a promise we cannot keep.
Can the IRS lien my business assets?
Yes. A lien can attach to business property as well as personal property, which is why early action matters.
What if I cannot pay the balance behind the lien?
There are still paths forward, including a payment plan or an Offer in Compromise if you qualify. See all resolution options.
Do you serve my area?
Yes. The practice is based in Central Florida and serves Orlando and the surrounding communities, plus taxpayers in all 50 states by phone and video.
Talk to an Enrolled Agent in Orlando, Not a Call Center
You will work directly with Peter Kici, EA, an IRS Enrolled Agent based here in Central Florida. No 1-800 sales floor, no handoffs.
Call or text (407) 531-8705 for a free, no-pressure consultation, or book your free consultation online. Not ready to call? Get the free book first and see your options in plain English.