How do I file chapter 7 no assets against a tax lein on my credit report

First, we don't know what year you owe the taxes for and whether or not you owe them in fact and the type of taxes and whether you filed a tax return or not on such taxes. Having said that, a bankruptcy tax attorney is who I strongly suggest you consider meeting with . You really care on the issue of taxes one thing: are the dischargeable or not if you file now. But if not now, how long must you wait to file to try and in fact discharge them. A second issue is is there any valid tax lien on any assets you own now. Such a bankruptcy tax attorney can carefully take the time to answer that and may take on hour with the right tax form obtained from the IRS if a federal debt. Meanwhile, other issues in filing a bankruptcy may affect what and when you file which I set forth next. You need and want to enjoy your fresh start also. But the most important thing is to meet with an attorney as you asking this question means you have not. You care about 2 goals: keeping everything you have equity in and discharging all your debts. If you don't have any of the exceptions to discharge you will obtain that goal; most exceptions are set forth in 11 USC. 523 (Google it) like child support, some income taxes, traffic (in a ch 7) and criminal fines , and presumption of student loans. But some debts are dischargeable in a ch 13 but NOT in a ch 7 so you want to make sure and your attorney will discuss any such types with you also! Your exemptions depend on what state you have lived in in the last 2 years and thus if in your state, then your states exemptions will apply. Most persons filing keep everything they own but your attorney will confirm that with you when they learn everything you own and the equity thereof! Some secured debts like homes, vehicles, other secured debts an attorney will discuss your options on also as you must list any debts; but that does not mean you will lose them unless you have too much equity or are in default on paying for them! Discuss those options if they apply with your attorney too. But other issues can arise that can greatly harm your case. Just one example: If you paid back a relative $3,000 11 months ago and now file bankruptcy next week, the trustee can SUE that relative to retrieve that $3,000 (under what is called a preference) for the benefit of the bankruptcy estate. As a result, most attorneys don't charge to meet with them the first meeting so meet with one no matter what. Many great attorneys can be found right here on in your state so look, call, and meet one as soon as you can. You should also want to know when to file: is there an advantage of waiting versus filing now and who should you pay between now and then! Good luck and enjoy your later fresh start.