Homeowners/Apex, NC/IRS Tax Lien
IRS & Federal Tax Lien in Apex, NC
Homeowners in Apex, NC with an IRS tax lien can still sell with proper planning. Find IRS offices, tax attorneys, and lien discharge procedures.
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Situation overview
An IRS federal tax lien in Apex, NC attaches to all your property but does not prevent selling. File Form 14135 for lien discharge at least 45 days before closing. In NC, federal tax liens are filed with the Secretary of State — search free at sosnc.gov. The IRS Fresh Start program offers expanded payment options.
What to do first
An IRS federal tax lien attaches to all your property but does not mean you cannot sell. Lien discharge (Form 14135), subordination, and the Fresh Start program offer paths to clear title. Acting before the 10-year collection statute expires gives you leverage.
Start with
- Request a lien discharge (Form 14135) at least 45 days before your planned closing date.
- Explore the IRS Fresh Start program — installment agreements up to $50,000 and OIC for qualifying taxpayers.
- Consult the Taxpayer Advocate Service (1-877-777-4778) if you are facing financial hardship or timing pressure.
Avoid
- Assume an IRS lien prevents selling — lien discharge allows property sales with IRS cooperation.
- Ignore the lien and hope the IRS does not enforce it — the 10-year collection period can be suspended.
- Try to transfer or hide property to avoid an IRS lien — this can result in criminal penalties.
Step-by-step action plan
A starting path you can follow before committing to any contract or agreement.
- Request a transcript from the IRS (1-800-829-1040) to confirm the exact amount owed and assessment dates.
- Search the NC Secretary of State database to confirm whether a Notice of Federal Tax Lien has been filed.
- Contact the IRS Taxpayer Advocate Service (1-877-777-4778) if you are facing financial hardship or need help.
Who to contact in Apex
IRS Lien and Debt Attorneys
Cain Law, PLLC
Cain Law’s Apex office markets Chapter 7 and Chapter 13 bankruptcy representation with free case consultations for households facing foreclosure and unsecured-debt burdens.
Cain Law bankruptcy attorney servicesBradford Law Offices
Bradford Law Offices in Raleigh provides Chapter 13 repayment-plan and Chapter 7 counsel for Wake County residents, with bankruptcy-focused representation aimed at mortgage arrears and debt reorganization cases.
Bradford Law chapter 13 bankruptcyMajor Bank and Credit Union Mortgage Assistance
Wells Fargo
Mortgage hardship support options include Forbearance, Loan modification, Repayment plan, Short sale, Deed-in-lieu of foreclosure.
Wells Fargo mortgage assistanceBank of America
Mortgage hardship support options include Forbearance, Loan modification, Repayment plan, Short sale.
Bank of America mortgage assistanceTruist
Mortgage hardship support options include Forbearance, Trial plans, Repayment plans, Loan modification.
Truist mortgage assistanceChase
Mortgage hardship support options include Forbearance, Loan modification, Repayment plan, Deferral, Short sale.
Chase mortgage assistanceFirst Horizon
Regional lender serving the Carolinas
First Horizon mortgage assistanceState Employees' Credit Union (SECU)
Largest credit union in NC. Membership open to NC state employees, their families, and other eligible groups.
State Employees' Credit Union (SECU) mortgage assistanceFirst Citizens Bank
North Carolina regional bank with statewide presence.
First Citizens Bank mortgage assistanceHUD and Homeownership Counseling
HUD National Counselor Hotline
Referral line for HUD-approved housing counselors serving Apex and Wake County homeowners.
Find a HUD counselorNC Housing Finance Agency Foreclosure Help
State mortgage-assistance and foreclosure-prevention resources for qualifying homeowners.
NCHFA homeowner resourcesWake County Housing Resources
County housing-resource referrals for hardship support, rental help, and homelessness prevention.
Wake County housing resourcesCommunity Hardship Support
Wake County Human Services
County hardship-navigation and emergency-benefits support for food, utility, and income disruptions.
Wake County Human ServicesCFPB Mortgage Help
Federal homeowner resources for mortgage-servicing problems and foreclosure-risk planning.
CFPB homeowner helpCall 211
Local referrals for utility, food, shelter, and emergency financial-assistance programs.
Call 211Wake County and Apex Government Offices
Wake County Clerk of Superior Court
Civil filings, court records, estates, and foreclosure-case processing for Wake County residents.
(919) 792-4000316 Fayetteville St, Raleigh, NC 27601
Monday-Friday 8:30am-5pm
Wake County Clerk of Superior Court websiteWake County Tax Administration - Collections
Property-tax collection, payment support, and delinquent-tax inquiries for Wake County homeowners.
(919) 856-5400301 S McDowell St, Suite 3800, Raleigh, NC 27601
Monday-Friday 8:30am-5pm
Wake County Tax Administration - Collections websiteTown of Apex Building Inspections and Permitting
Municipal code-compliance intake and building-standards enforcement support for residential properties within Apex town limits.
Town of Apex Building Inspections and Permitting websiteU.S. Bankruptcy Court, Eastern District of North Carolina (Raleigh)
Federal bankruptcy court for Chapter 7, 11, 12, and 13 cases affecting Wake County residents. NC homestead exemption reference: $35,000 ($60,000 if 65 or older).
U.S. Bankruptcy Court, Eastern District of North Carolina (Raleigh) websiteApex and Wake County Community Support
InterAct of Wake County
Wake County domestic-violence and sexual-assault service provider with a 24-hour crisis line, emergency shelter access, and survivor advocacy.
InterAct crisis supportWake County Veterans Services
County veterans-service officers assist with VA claims, appeals, and benefits navigation for eligible Wake County veterans and dependents.
Wake County veterans services officeCary Vet Center
Regional readjustment counseling center serving veterans and military families in the Apex-Cary area for trauma, transition, and family support needs.
Cary Vet CenterResources for Seniors
Wake County nonprofit offering senior centers, caregiver help, transportation coordination, and aging-at-home support services.
Resources for SeniorsTriangle J Area Agency on Aging
Regional Area Agency on Aging providing caregiver support, long-term-care options counseling, and elder-rights resources for Wake County households.
Triangle J Area Agency on AgingFree and Low-Cost Legal Aid
Legal Aid of North Carolina - Raleigh Office
Civil legal aid for qualifying low-income residents in Wake County, including housing and consumer matters.
Legal Aid NC RaleighNorth Carolina Bar Lawyer Referral Service
Statewide lawyer-referral support across North Carolina practice areas, including Wake County.
NC Bar referral serviceWake County Bar Lawyer Referral Service
Local Wake County lawyer-referral support for civil legal matters including real-estate and family-law needs.
Wake County Bar referral serviceIRS Tax Lien Real Estate Agents in Apex
Chamiese Evans — Licensed Realtor
Specializing in helping Apex homeowners navigate irs tax lien situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comCommon questions
Can I sell my house if the IRS has a tax lien on it in Apex?
Yes, but you need IRS cooperation. File Form 14135 at least 45 days before closing to request a lien discharge. The IRS will discharge the lien from the property if they receive the proceeds or the remaining assets cover the debt.
How long does an IRS tax lien last?
The IRS has 10 years from the date of assessment to collect, but this period can be suspended by installment agreements, offers in compromise, or bankruptcy. The lien is released when the debt is paid, the statute expires, or you negotiate a settlement.
Where do I search for IRS liens on my property in NC?
In North Carolina, federal tax liens are filed with the NC Secretary of State — search free online at sosnc.gov. In South Carolina, federal tax liens are filed with the county Register of Deeds or Clerk of Court in each county where you own property.
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View resourcesResearched by CC Evans, Marketing Analyst — RobinOffer
Licensed Real Estate Broker · NC License #332092
NorthGroup Real Estate · Charlotte, NC
Last reviewed: February 2026
This directory is for informational purposes only. It does not constitute legal, financial, or tax advice. Confirm all options with licensed counsel or a qualified financial professional before signing any agreement.
Sources: NC General Statutes · HUD.gov · CFPB.gov
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