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Bankruptcy, Tax Liens and Judgments
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A federal or state tax lien is a legal right of the government on particular assets and properties after you fail to pay an outstanding tax debt. It can happen to individuals and businesses alike. Note that just because you fall behind paying taxes, that doesn’t automatically get a tax lien.
For a tax lien to manifest, you would have to neglect paying your tax bill, the IRS would send you a “Notice and Demand For Payment”, then you would still neglect to pay the full balance within the time period allowed. From that point forward, a tax lien is generated through the tax authority filing a “Notice Of Tax Lien” in the public record to alert creditors of the situation.
A structured payment plan can be arranged with the tax authorities to pay off the tax lien over time, which is likely to include various additional fees that will bump up the total balance due. If one still doesn’t make payments in full or on time with the payment plan, then there could be a levy of various assets and properties to help settle the outstanding tax debt. It may be difficult to wipe out a tax lien in bankruptcy.
A tax lien will hurt credit scores significantly Under federal law, a tax lien might remain on your public record for 7 (or longer) depending upon when payment of the total balance due is completed. The new reporting standards implemented in 2017 and 2018, however, mean that tax liens will no longer be reported.
Judgment liens are a result of one party (plaintiff) seeking to obtain a legal monetary civil judgment against another party (defendant), as a result of a variety of things, including breach of contract, emotional distress, injury, fraud, theft, and more.
When one of these events occur, the defendant is found to be guilty, and the defendant doesn’t have applicable insurance to cover said event (cases of fraud are usually never covered), then the judgment will be filed against the defendant to cover the associated damages, whatever amount that might be. The judgment is then traditionally reported to the credit bureaus. The judgement creditor may also seize property or garnish wages to collect the judgement, depending on state law.
However, unlike many tax liens, judgment liens can often be eliminated through bankruptcy, and some defendants are actually encouraged by attorneys to file bankruptcy if situations such as high judgment liens create a dire financial situation.
Due to the new reporting standards under the National Consumer Assistance Plan, most judgments will no longer appear on personal credit reports. A judgment lien that is not removed might remain on your credit report for up to seven years, following payment of the balance in full.
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