What is the name of your state? Florida. What is an involuntary lien as opposed to voluntary? I applied for a HELOC from Figure Lending. I already have a HELOC from them as I am doing some renovations on my house to get it ready to sell. I requested an increase and was told I should apply for another loan. I did so and was denied due to having at least three involuntary liens per Experien. I researched what an involuntary lien is and it appears to be when you have a loan that is not paid or if you owe the IRS. I pay all my loans on time, never miss a payment, and don't owe the IRS. I filed for Chapter 7 bankruptcy in 2013 and in August 2015 received a discharge, and got a modification on my home. I have a car note and a Lowes credit card with about $3000 balance, plus the HELOC and the mortgage. I checked my credit through Experien and don't see what would be an involuntary lien. Checked my property appraiser website and nothing there. Am I misunderstanding what an involuntary lien is? Figure couldn't tell me anything. Thank you.