What Is an IRS Tax Lien?

An IRS tax lien is the government's legal claim against your property when you don't pay a tax debt after demand. A lien attaches to all your assets — real estate, vehicles, financial accounts, and future assets. It can damage your credit and make it difficult to sell property or get a loan. Paying the full amount owed releases the lien within 30 days. Options to address a lien include paying in full, requesting a lien subordination (to refinance), or negotiating a withdrawal.