If you have ever had a lien filed against your bank account, chances are you know how to remove a lien from a bank account. If this has never happened to you before, and you suddenly find yourself unable to access the funds in your bank account due to a lien, you have multiple options.
- Who placed the lien? If you don’t know who ordered the lien, contact the bank. The bank can provide the party’s contact information.
- Find out what funds are frozen. As stated in the Neighborhood Economic Development Advocacy Project, certain funds, such as veteran’s and Social Security benefits, are exempt and may not be frozen.
- Vacate the judgment. If you failed to appear in court due to circumstances beyond your control, such as incarceration or illness, you may have grounds to have the lien vacated or dropped. Contact the court and set up a hearing. It might be to your advantage to have legal representation when you appear at the hearing. You may also have valid reasons to have the judgment vacated if you were the victim of identity theft and you’re not responsible for the debt. Be ready to prove that the debt is not yours. Adequate proof may consist of copies of your credit report or a police report.
- Pay the debt. The bank will remove the lien once it receives notification that you paid the debt. If you have a lien on your back account due to a legitimate debt, the best thing to do is pay the debt as soon as possible so you can access your funds.
In summary, if you suddenly find out that you can’t access your bank account due to a lien, don’t panic. Find out who placed the lien, determine if you have grounds to vacate the judgment or, if the debt is legitimate, find a way to satisfy it so you can have the lien removed from your bank account.