How do I protect my home from a water bill or tax lien?

Paying property tax and any municipal water bill on time is the most direct way to avoid a lien landing on your home, since both a county tax commissioner and a city utility department can attach one for unpaid balances. If you fall behind, contact the taxing authority or utility directly before a lien is filed, since payment plans are often available. Once a lien exists, resolving it before you try to sell or refinance avoids delays at closing. Ask your closing attorney to run a lien search if you are unsure of your current status.