How to Resolve a Real Estate Tax Lien

1. Confirm the Lien Exists

• Check with your county tax assessor’s office or property records office.
  
• They can provide:
  
  • The amount owed (including penalties and interest)
    
  • The date the lien was filed
    
  • Whether the lien was sold to a third party
    

2. Understand Your Redemption Rights

• Most states give you a redemption period (often 1–3 years) to repay the debt before foreclosure.
  
• Ask about:
  
  • Deadlines
    
  • Interest rates
    
  • Who owns the lien (the government or an investor)
    

3. Pay the Lien in Full

• You’ll need to pay:
  
  • Back taxes
    
  • Interest and penalties
    
  • Any fees (like legal or administrative)
    
• If a private investor owns the lien, payment goes to them (usually through the county treasurer).
  

4. Get a Lien Release

• Once paid, request a Lien Release or Satisfaction document from the tax authority or lienholder.
  
• Ensure it’s recorded with the county to clear your property title.
  

5. Check Your Credit & Title Report

• Tax liens may show on your credit report or affect title insurance.
  
• Once resolved, you may need to dispute or update these records.
  

If You Can't Afford to Pay:

• Set up a payment plan with the tax authority (if available).
  
• Check if your area offers tax relief, hardship exemptions, or senior discounts.
  
• Contact a real estate attorney or tax lien specialist for help negotiating or delaying foreclosure.
  
• In some cases, you may consider selling the property before the redemption period ends.