Often the IRS, and other creditors will attempt to garnish wages, attach a home or attempt a foreclosure.  You may be able to avoid tax liens, judicial liens or even a second mortgage on your home when you file a bankruptcy.   If you need this done, tell your attorney.

Second Mortgages, Tax liens and Judicial Liens may be avoided by filing a motion to avoid the lien and proving that there is no equity for the lien to attach to.  You must obtain an appraisal and documentation of the value of a home.  Tax liens and second mortgages that have no equity can be avoided similarly.   Bankruptcy offers a way to avoid some second mortgages and judicial liens.   See the section on Covington Bankruptcy Lien and Mortgage Motions

Liens from finance companies on your furniture can also often be avoided in bankruptcy. If your wages or bank account have been garnished you may be able to get that money back.  Often lenders fail to properly record car liens within 10 days.  Mortgages and car liens can be avoided under these circumstances.  Our Bankruptcy Manual explains exactly how to avoid liens and Mortgages by filing bankruptcy.  Come in to discuss your options with a free appointment.