Reply to Apparently I made my husband feel like shit

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[quote=Anonymous][quote=Anonymous]If it is a lien, then the debt is secured by a real estate asset already, why must it be paid immediately?

I am involved in these kinds of things all the time and I don't really understand what the urgency is?

Can you please explain a little bit?

Also - as a man, I can tell you that I am sure he was feeling horrible about it before he told you, having beaten himself up and feeling like shit about it - probably assuming as well that he would have to deal with this all on his own.  Your reaction, while natural, only made him feel more isolated and scared.

You're entitled to your reaction and he to yours...the key is coming back together after the dust settles.

Again - please explain?

Is the lien holder foreclosing on the property?

[/quote]

No there is no foreclosure. But the lien will expire in 2016. Our lawyer has advised us that 2 years out from this (2014), the file will come up for review at which point they will likely just reattach it and/or begin garnishing his wages to satisfy the lien. I have suggested we just let them take the house to satisfy the debt but the problem is there is almost no equity in the house which means once the bank was paid off, the irs would still not have gotten their money. In the meantime, this lien is tanking his credit and making it very hard to get security clearances which would be a big bonus for him to have what with his job. So no the lien does not necessarily have to be paid off this second but we worry about repercussions of just letting it renew when this one expires. [/quote]

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