Hello, Can someone post any good info/tips on disputing State Tax Liens? There are just too many threads in the search function to search through all "tax lien" related articles. Anyone bookmark a good one? Here's the situation... I've been so focussed on my CR disputes that I neglected my wife's. Received her 3 CRs and saw a State (CA) Tax Lien on 2 of 3 reports. The tax lien should be reporting against my sister-in-law since my wife transferred the restaurant business to her sister back in '98. Unfortunately, the business was poorly managed by her idiot sister when she came to live with me in the east coast. When the sister went bankrupt, she also incurred a tax lien. The worst part of it all....neither (wife or her idiot sister) kept the documents relating to the business transfer. It appears we're just going to have to dispute the tax lien "cold" (ie. just saying "not mine" without the docs to back it up). Can anyone provide any useful tips/strategies? I did find this info regarding disputing with the state board... http://www.ftb.ca.gov/geninfo/ind/faq/ivr/402.html and this faq relating to tax lien filing... http://www.ftb.ca.gov/manuals/arm/cpm/4320.htm
Of all that we've worked on, we've had the least success with tax liens. I can give you a bit of advice, but nothing that's foolproof or even near it. Don't dispute them all at once with all 3 CRAs. Go one at a time. We wish we had thought this one through before we jumped and probably called attention to ourselves at the records office of the county courthouse. We had 3 on each CRA. One was noted as released, the other two were noted as paid. Finally, the released one is now gone from all 3 CRAs. It disappeared in one dispute from each. The paid ones are also both gone from EQ. If we had it to do over again, we would have gone a little slower to see if they might have slipped in under the radar a little easier. Also, EX is tough to get to dispute a 2nd or 3rd time, so I'd start with one of the other two CRAs to see what happens. You have several basis for attempting deletion. First you can try disputing as "not mine" with each of them. Then if any do verify, you can dispute again ANY inaccurate information in them. (amount, dates, name, ANYTHING that is incorrect) Don't shoot for all of the incorrect info at once, spread it out. The more incorrect info there is, the more times you can dispute and the more times you dispute the better the chances they will fall through the cracks on someone's desk and end up being deleted. You might hit well right off the bat, but be prepared for a long slow process. We're planning on trying again in December during the CHOD. (Check the glossary for newbies or do a search for CHOD for more info.) Also, if your wife and her sister did ANY kind of transfer of the business that caused an official record to be made of when it changed hands (like for the business license), that would probably go a long way toward getting the office that originally filed the lien withdraw it from your wife's record and refile it against your sister-in-law. If any of the liens happen to be federal tax liens from unpaid income tax, there is something else you can try if you're willing to pay what's owed. Here's a thread where this was discussed. http://consumers.creditnet.com/stra...d=184878&highlight=lien+withdrawal#post184878 Follow the link within the thread and you can see the procedure for requesting the withdrawal of a federal tax lien. We have requested withdrawal through the IRS commissioner but probably won't hear back on the application for a while. (This was for an unpaid lien on another credit report, not for the paid ones mentioned above.) We'll post about this experience once we hear back. All the best! DemPooches
Thanks a million DemPooches.. Yes...I can't wait for CHOD also...since I out-grew Santa Claus when I was in high school ;-) However, I've heard there is a CHOS (summer version) as well, but not much info being passed around...
