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Background: Back in 2008, I apparently made a mistake on my local school district taxes. I owed a fair bit more than I thought I did. Didn't find out until 4 years later when a tax bill showed up in the mail. It took a while to get the money together, and when I got the initial amount paid, I still had a bit more in additional interest and penalties. Got that paid, or so I thought. About a year ago, my wife found out we had a tax lien against us (showed up on both our credit reports). We took care of it immediately when we found out. It turned out to be some $25 fee that hadn't been paid and we didn't know about. After paying the money and getting a letter we could file with our local court, I thought that was the end of it.

Earlier this month, I got a copy of my credit reports. I filed for Chapter 7 bankruptcy back in November of 2005 and I wanted to make sure it had fallen off. That's when I first found out the tax lien will be there for 7 years. I was hoping that since it says "released" everything would be OK. I recently applied for a loan and was turned down. One reason given was "negative public record". This tax lien is the only negative public record on my reports.

Are there any alternatives? I just finished 10 years of having a bankruptcy on my record, do I really need to go through an additional 7 years with this tax lien on my record? Seems ridiculous to go through because of $25.
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