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Sheppard Law Offices - Columbus

Removal of Liens



Lien Removal in Ohio


A lien is a claim against real or personal property that you own. Liens can be both voluntary and involuntary.


Voluntary Liens

When you apply and are granted a loan, the loan documents that you sign are a legally binding contract. This applies to both secured loans such as mortgages, car loans, boat loans, motorcycle loans and any other loan where the creditor issues the loan in exchange for a claim on the property you are purchasing. That claim is a lien against your real or personal property, also known as collateral.


Involuntary Liens

Involuntary liens can come from several sources, some of which include Tax Liens from the government, Mechanics Liens from contractors, Court Judgments from lawsuits, Homeowners Association Liens, Condominium Liens. These liens are set up to prevent the transfer of title of the property until the debt is settled with the lien holder.


Certain Liens Are Avoidable in Bankruptcy

While filing bankruptcy doesn't automatically eliminate the lien on your property, certain types of liens may be avoided in the bankruptcy. In Ohio chapter 7 and chapter 13 bankruptcies, a lien may be subject to removal from your property if it impairs a bankruptcy exemption that you may be entitled to. The Columbus Ohio Bankruptcy attorneys at Shepard Law can review any liens that you may have and determine if the lien will meet the qualifications for removal through a bankruptcy filing.


Lien Stripping Can Remove Wholly Unsecured Liens From Your Property

Lien stripping is a tool which can be utilized in Chapter 13 Bankruptcies to remove a second and any subsequent mortgages from your house due to the value of the home being less than the fair market value of the first mortgage. These debts receive the same treatment as unsecured debts, and are erased at the discharge of your bankruptcy.


Tax Liens

While many governmental liens are not avoidable, certain tax debts may be discharged in a bankruptcy. There are specific rules which will allow for these debts to qualify to be discharged through a chapter 7 or chapter 13 bankruptcy. Additionally Sheppard Law Offices provides another advantage if you are facing tax debts as Ken Sheppard, Jr. is a federal tax attorney and a large part of our business is tax relief.


If you are facing property liens and are considering filing bankruptcy, the Columbus Ohio bankruptcy Attorneys at Sheppard Law Offices can provide you with the support and assistance you need to help you to better understand what liens can be removed. Call (614) 523-3106 today to schedule a free Columbus, Ohio Bankruptcy and Debt Relief consultation.

Sheppard Law Offices

The Columbus, Ohio bankruptcy debt relief and taxation law office of Sheppard Law Offices, LPA is conveniently located just inside I-270 off of Cleveland Ave. Our offices provide a short drive from throughout Central Ohio including counties of Franklin, Delaware, Knox, Marion, Licking, & Fairfield. We regularly serve  Debt  & Tax needs of clients from  Columbus, Westerville, Bexley, Dublin, Sunbury, Delaware, Fredericktown, Johnstown, Centerberg, New Albany, Gahanna, Pickerington, Grandview, Upper Arlington, Clintonville, Groveport, Pickerington, Pataskala, Reynoldsburg, Groveport, Lewis Center, Worthington, Granville, the Short North, Hilliard, Plain City, Grove City, Newark, Mt. Vernon, Canal Winchester, and Lancaster.

Columbus Ohio Office

2600 Tiller Lane, Suite A

Columbus, Ohio 43231

Telephone: (614) 523-3106

Newark, Ohio Office

843 N. 21st Street, Suite 108

Newark, Ohio 43055

Telephone: (740) 345-7138

Akron-Canton Office

Belden Village Tower, 200

Canton, Ohio 44718

Telephone: (330) 409-2876

Mt. Vernon, Ohio Office

11 West Gambier Street

Mt. Vernon, Ohio 43050

Telephone: (740) 392-0404

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We are a debt relief agency. We help people file for protection under the U.S. Bankruptcy Code.