Tax lien after property was surrenderred?
Date: Mon, 05/26/2008 - 05:22
Just when I thought I was starting to turn my credit around, it took a serious blow that I can't find any way around. Back in 2004 I filed for a Chapter 7 bankruptcy in which me and my wife surrendered our home. The strange part to this story is at the same time we we're going through our bankruptcy our mortgage company filed for bankruptcy themselves. So basically they never foreclosed on the home and although I have no legal or financial responsibilities to the house the deed was never transferred back to the bank so our names are still on it.
Now over 4 years later I found out that there is a tax lien showing on my credit report for unpaid taxes for the year 2006??? I tried filing disputes on my credit reports but they were unsuccessful. Is it right that this is being reported this way and is there anything legally I can do to get it removed. Any info on this would be greatly appreciated.
smckaybiz maybe you should contact the IRS about this. I would t
smckaybiz maybe you should contact the IRS about this. I would think that they would be the only ones who could remove this lien against you. Could be that you'll need to send in your discharge papers from the bankruptcy showing the house was included. It makes more sense to me that the lien would be against your mortgage company and not you. I could be wrong though, but that is where I would start, with the IRS. Perhaps someone else will come along with more information on this subject than I could offer. Just hang tight! :)
Property taxes, right? State? County/local? Where are you/the pr
Property taxes, right? State? County/local? Where are you/the property in question located, if you don't mind my asking? Also, you say that your names were never removed from the deed... Who has possession of the house?
The most obvious thing to do is to approach the taxing authority in question, bankruptcy papers in hand. Show them the situation, and ask that the lein be removed. Given the complexity of this matter, you may wind up needing to consult an attorney to resolve it. But I think I'd at least try to unravel it myself first.
Best of luck. And please, let us know how it goes.
I would think it would paramount to surrendering a car back to t
I would think it would paramount to surrendering a car back to the finance co ... if they leave it on the street and it gets parking tickets and a boot, then that's their mess not yours.
It may be something simple. I'm sure the county doesn't know your individual situation - they just see your name still on the deed and charge you for the taxes. Like the others said, I think the first step is go to the county treasurer (or whoever handles the property taxes), and explain the situation and show them all your proof that the bank took over the house.
If they won't budge, then I'd say to call your BK attorney -- maybe there was something s/he was supposed to file.
Thanks for the advice all. :D They were local property taxes i
Thanks for the advice all. :D They were local property taxes in the state of PA. As far as I know, no one has possession of the house. One of those crazy loop-holes I just can't figure out. Because our BK attorney at the time advised us to move out because the bank would be taking it back, preperations were never made to leave the house sitting for years. I couldn't imagine the shape its in now. I will look into this a bit further before paying the money for another attorney and I'll let you know how it goes. Thanks again.
