I need a little information on liens that are placed on your house for back taxes. Unemployed as of Nov '01 I filed BK7 in Jan '03 and was discharged in June. During this time I did not pay my personal property taxes city/county/school about $3k/yr. I also cashed in my 401(k) to live on I just now found a job in my field making enough money to live on although at $20k/yr less that what I was making. I have about $3k of the 401(k) funds left in the bank I am driving my father's 10 yr old pickup truck (I used to drive new Mercedes) and It probably will be another year before I buy my own reasonably priced vehicle that I will need to keep for many years. In addition to the regular debts that I have (house, utilities, insurance) that I can take car of out of the money I now make I have: 1. Past due property taxes for '02 and '03 2. '04 property taxes are just around the corner - another $3k 3. '03 income taxes due April 15th '04 for the funds taken out of the 401(k) - I have yet to estimate what they might be so this may not be too big of an issue considering I've had very little income and I have the house interest as a deduction. I also need to consider the possible benefits of the possible deductions if I pay some of the real estate taxes. I only have limited funds and I will not be able to get both caught up as soon as they may like. If everyone would let me alone to pay as much as I can until it is paid off I probably could get caught up by end of '04 (this assumes paying the '04 property taxes also) Which one will cause me more grief if I don't pay quickly? Liens: What happens when they put a lien on your house? How does this affect your credit, unpaid and after it is paid. Please do not tell me the BK7 is already doing the most damage - I know that. In light of the BK7, is avoiding a lien on your credit report, even after its been paid, worth much effort. My attorney doesn't seem to think having a lien put on your house and then paying it off is such a big deal. Taxes: What happens on 4/15 when you cannot pay all of the taxes due? Does this affect your credit? Again, unpaid and satisfied? Is it worth the effort to avoid over the grief from a lien? Which one is the worst? I have tried to research this on the but I've not been able to find information. Can anyone direct me to more information concerning these issues.