Doing A New York Lien Search Can Be Easy

By Claudine Hodges





Property liens could be an inconvenience if not properly settled. These show up at the most inconvenient time like selling a property or refinancing a mortgage. Apparently, you must clear your tax warrants first, so you can sell your property or underwrite a new loan.



In order to find the most updated information regarding applicable tax warrants, there are a few easy methods to do New York lien search. These methods are not too time-consuming. You can get the results that you need in a breeze. As a word of caution, though, some results are more accurate and complete than the others, depending on its source.



Before you start searching, you have to understand property liens first. Basically, the state can secure tax warrants against any individual who fail to pay taxes. This leads to income execution, levy or seizure and sale of property in order to settle the debts. Both the local clerk's office and Department of State are notified of this. Since the record is public in nature, anybody can freely access it. This includes credit reporting agencies, thus, affecting your credit score negatively.



If a warrant was filed, you have to pay the full amount of your debt to clear it out. Once that condition is satisfied, a notice is forwarded to both Department of State and local clerk so they can update their records. Should an owner decide to sell a property in question, he could pay the debt with guaranteed funds. A Notice of Pending Warrant Satisfaction is then issued. This notice could be sufficient enough for most title companies so the liens are eventually lifted.



All concerned parties should be informed in the event a tax warrant was filed. The details like the amount to be paid, the concerned departments, the points of contact and the property in question are all specified in the notice being sent. Unfortunately, there are possibilities of notices not reaching its intended recipient for one reason or another.



As such, it is advisable to do a quick lien search before you do anything related to your properties. This includes loan applications involving your property as a collateral or mortgage refinancing. This way, you would know for certain whether it is clear to proceed or not.



The simplest and quickest option by far is through online lookup. Visit the state record's in its official website. Of you are searching in Albany NY, the information you are looking for can be found under Uniform Commercial Code tab. The page can be accessed by choosing State Tax Warrant Notice Search option.



The criteria includes the taxpayer's legal name, the city specified in the record, the county where it was filed, the warrant status and the search type. Each one must be filled out for faster results as each helps narrow down the results. Once you retrieved the records, you can also store or print it for future reference.



Likewise, you can also visit the office of the local clerk in person. They keep the most recent report with all the complete details. Although the state makes effort to update the data on a regular basis, other factors could possibly cause delay in the updating of data. Above all, you can also ask the staff, who are the specialists in this field, for any inquiries or concerns you have in mind.









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