Liens and Judgments
So you have some type of lien against you. Maybe it’s a lawsuit judgment, a court judgment, maybe it’s a phantom lien on your real estate, maybe it’s a prior second mortgage or home equity loan that became a zombie loan. It disappeared and went dead for a while, now it’s back to life. Maybe it’s a loan on your car, maybe it’s a lien against your vehicle title. There are many ways you could have a lien or judgment or some claim against you as a consumer, and what happens is until you get that lien removed or released, that’s going to affect you.

The Effects of a Lien
It’s going to affect you selling your car, it’s going to affect you selling your house, it’s going to affect maybe even your credit because that’s a documented record. So until you get that removed from wherever that record is being stored, it’s always going to be there.

How to Remove a Lien
So how do you do this? Well, depending upon where the lien is recorded, if it’s recorded on your car title, it’s recorded in the land records for real estate, it’s recorded in the court records, you have to find out the process of having that lien removed. There’s a document you need to file to have that lien removed.

The Process for Lien Removal
Now the problem is that document isn’t just a unilateral document, meaning that you just can’t do it yourself and sign it. There’s a procedure to have it removed by a third party. Doesn’t matter the type of lien, there’s a procedure you can use to request that lien release. Most of these loans are what’s called a charge-off, or write-off, or expired, and there’s a way to go through a paperwork process of sending notices out, sending requests out.

Multiple Methods to Remove Liens
Sending what we call guerrilla marketing where you send out multiple locations for these documents to be signed. If the lien holder, the creditor, the claimant, doesn’t sign them properly, you can get the lien removed. Sometimes you have to get a magistrate’s signature. There’s multiple different methods to do this.

Non-Attorney Guidance
And here’s the good news: we’re not attorneys, we’re not giving you legal advice, but the good news is you don’t need an attorney to do this. You don’t have to have an attorney to do this.

Our Success in Lien Releases
We have submitted thousands of lien releases over the years for vehicles, for real estate, for even court judgments, and this could be very successful.

Possible Responses from Lien Holders
You can have a lien, a judgment, a claim, or a mortgage removed if you file the right process. Now, if the lien holder, claimant, responds and reacts to it, you may have a battle on your hands. But even then, there’s a third party that can override it, whether it’s a magistrate, a notary office, a court. If your claim is accurate, you can still prevail over a claimant that rejects, resists, or answers the claim.

Likelihood of No Response
Most of the time they don’t—that’s the key. Most lien holders and claimants, they’re out of sight, out of mind. If they already have it as a charge-off, as a write-off, as something they’ve kind of put out of their mind, many times they don’t respond because they figure it’s not worth the time, it’s not worth the money.

Importance of Taking Action
So regardless of what you do, if you do nothing, your lien will stay there and will affect you. You can’t sell your car, you can’t sell your house, you have a claim on you. At least if you try, you have a chance of having that lien removed and being able to move on with your life—sell your car, get the money, refinance your house, get the money, not have a judgment against you in court that could affect you in other ways.

Resources and Support for Lien Removal
If you have more questions about how to do a lien release, what the process is, you can click the link below. It’ll give you instructions for do-it-yourselfers. We also have a service if you’d like to have us assist with preparing the documents. Remember, we’re not attorneys, but you don’t necessarily need to have an attorney. You can get one if you want—it just costs more money and it may not have different results.