What to do w/this

mellucido · 02-12-2008, 09:42 PM

I have no idea what this is----soooo what do I do? Tnx, Mel

County tax lien filed on Nov 15, 1996
Court of law [?] Not Reported
Case number [?] 3051450
Date filed [?] Nov 15, 1996
Status [?] Not Reported
Status date [?] 11/1996
Date reported [?] Not Reported
Date complete [?] Not Reported
Date verified [?] Not Reported
Date paid [?] Not Reported
Amount [?] $80
Liability [?] Not Reported
Asset [?] Not Reported
Exempt [?] Not Reported
Plaintiff [?] Not Reported
Defendant [?] Not Reported
Account holder [?] Not Reported
Type of business [?] Not Reported
Description [?] Not Reported

hannah · 02-12-2008, 10:14 PM

Quote:

Originally Posted by mellucido

I have no idea what this is----soooo what do I do? Tnx, Mel

County tax lien filed on Nov 15, 1996
Court of law [?] Not Reported
Case number [?] 3051450
Date filed [?] Nov 15, 1996
Status [?] Not Reported
Status date [?] 11/1996
Date reported [?] Not Reported
Date complete [?] Not Reported
Date verified [?] Not Reported
Date paid [?] Not Reported
Amount [?] $80
Liability [?] Not Reported
Asset [?] Not Reported
Exempt [?] Not Reported
Plaintiff [?] Not Reported
Defendant [?] Not Reported
Account holder [?] Not Reported
Type of business [?] Not Reported
Description [?] Not Reported

This appears to be either property or personal property tax. I would contact the county where you used to live and ask what if anything they have on file. Tax liens can only be reported for 10 years (I think depending on state law) and do not require any kind of hearing because they don't have to have one. Check with whatever county in whatever state you lived in prior to 1996. A tax lien is usually unpaid for a year before they do a lien.

mellucido · 02-12-2008, 10:24 PM

Forgive my ignorance but it sounds like the sol is past if it is 10 yrs. So I still need to contact them to do ???

Thank you for your educating me on this.
Mel

jlynn · 02-12-2008, 10:36 PM

Hannah, hon, we've been over this before. Tax liens can report for 7 years AFTER the date they are satisfied. If they are unsatisfied they and cockroaches will be the last things left on this planet.

hannah · 02-12-2008, 10:42 PM

Quote:

Originally Posted by jlynn

Hannah, hon, we've been over this before. Tax liens can report for 7 years AFTER the date they are satisfied. If they are unsatisfied they and cockroaches will be the last things left on this planet.

Not if it is a state tax lien. It depends the state law for whatever state the tax lien is for. Here in West-By-God it can report for 10 years and/or if paid can report for 7 more years after it is paid. This may be wrong but I don't think so.

mellucido · 02-13-2008, 12:05 AM

At least I get to giggle thru this process with mentors like you. So I guess the easiest is to contact them and see if it is really me they are after and if it is pay the freaking $80. Yes?

Thanks,
Mel

hannah · 02-13-2008, 12:10 AM

Quote:

Originally Posted by mellucido

At least I get to giggle thru this process with mentors like you. So I guess the easiest is to contact them and see if it is really me they are after and if it is pay the freaking $80. Yes?

Thanks,
Mel

Well regardless of who is correct, if you owe it and pay it, it will be on your report for 7 years after you pay it. Hey, I've been giggled at before, no prob. If I am wrong, I'll "man up". K? K!

One thing I do know is if you owe a tax, it never becomes obsolete so you either pay it now or pay it later.

mellucido · 02-13-2008, 12:13 AM

I can ask for prof of verification or validation or something like that-----yes?

Mel

hannah · 02-13-2008, 12:18 AM

Quote:

Originally Posted by mellucido

I can ask for prof of verification or validation or something like that-----yes?

Mel

Well yeah! That's the idea. Where were you in 1995 to 1996? That's where I would start looking.

DarkSergeant · 02-13-2008, 12:57 AM

I was under the impression that unpaid tax liens could stay on your credit report forever and ever?

Remember to that tax liens don't fall under the FDCPA and therefore are not subject to validation (You can't say, "Hey county - show me proof I owe you.").

You may still of course request the Credit Bureaus verify the debt. (Too many V's in this process

).

This is what I'd do. Go ahead and use ONE credit report's online reporting function and dispute it as "Multiple things wrong with this entry." And just say something along the lines of "Dates Incorrect, Amount Incorrect - Request Verification or Deleition." IF that credit report drops it, try it with the other two. (Note: I could be wrong here, you could catch the county off guard on the 1st, and they'd be prepared for 2 and 3.)

If that didn't work (comes back verified), I'd call the county, find the sweetest old lady you can, and see if you can talk her into helping you out. You may get lucky - especially if it's a smallish area. If they agree to anything (removing the line - if this is possible with liens?) you should get it in writing.

hannah · 02-13-2008, 01:54 AM

Those sweet old ladies may just throw you to the wolves if it means getting that extra bench at the park...

jlynn · 02-13-2008, 08:05 AM

Quote:

Originally Posted by hannah

Those sweet old ladies may just throw you to the wolves if it means getting that extra bench at the park...

You and I will qualify for that bench in just a few short years.

There may be some teeth in your state's statutes in regards to state and county tax liens.

As far as verification/validation, the lien filing is the proof. With that being said, do the counties actually verify for the CRAs state level liens, or is that once again the Super Secret Lexis Nexis apes combing the public records?

If it were me, and it was from 1995/1996. I would make it simple and dispute with the CRAs as obsolete. Maybe they will determine it is.

jlynn · 02-13-2008, 08:07 AM

Quote:

Originally Posted by mellucido

At least I get to giggle thru this process with mentors like you. So I guess the easiest is to contact them and see if it is really me they are after and if it is pay the freaking $80. Yes?

Thanks,
Mel

Its going to be a whole lot more than $80 now.

mellucido · 02-13-2008, 09:26 AM

seems like a crap shoot. Hannah says that tax liens never become obsolete---Jlynn says dispute it as obsolete and maybe it will work.

Fear speaking here---I don't want to shoot myself in the foot. And I hadn't even stopped to consider that they probably are going to charge me A LOT more than the $80.

Thank you all,
Mel

jlynn · 02-13-2008, 09:45 AM

Quote:

Originally Posted by mellucido

seems like a crap shoot. Hannah says that tax liens never become obsolete---Jlynn says dispute it as obsolete and maybe it will work.

Fear speaking here---I don't want to shoot myself in the foot. And I hadn't even stopped to consider that they probably are going to charge me A LOT more than the $80.

Thank you all,
Mel

You will learn that credit repair as a whole is a crap shoot.

And whether it IS obsolete, and asking the CRAs to investigate if it is obsolete, and waiting for someone to find a 13 yr old lien somewhere at a courthouse are two different things.

Keep learning, and you will begin understanding a lot more.

The worst thing that happens in a CRA dispute is that the verify you still have an unpaid tax lien, and you are at Ground Zero looking to pay it to get the obsolescence clock to finally start ticking.

mellucido · 02-13-2008, 10:14 AM

Thanks for that---it is a bit clearer---I'll get on it.
Best to you,
Mel

hannah · 02-13-2008, 02:17 PM

Quote:

Originally Posted by mellucido

seems like a crap shoot. Hannah says that tax liens never become obsolete---Jlynn says dispute it as obsolete and maybe it will work.

What I meant was whether or not it remains on your report, it may still (depends on your state statute) be collectible for many years to come. In some states, a tax lien may be renewed twice at twenty year intervals. We're talking 60 years here! I don't know about you, but it will be a miracle if I am alive in 60 years...

jlynn · 02-13-2008, 02:25 PM

Quote:

Originally Posted by hannah

What I meant was whether or not it remains on your report, it may still (depends on your state statute) be collectible for many years to come. In some states, a tax lien may be renewed twice at twenty year intervals. We're talking 60 years here! I don't know about you, but it will be a miracle if I am alive in 60 years...

This is true, and in any mortgage buying process or similar, it might pop up, as they look at more than cr's. It goes without saying that just because its off your report doesn't mean the debt/lien/judgment/whatever is no longer a valid debt.