u/Sea_Finding2061

I’m in Pennsylvania and trying to understand the risk surrounding a quitclaim deed, an IRS lien tied to my ex.

Facts:
House was originally jointly owned by me and my ex purchased during marriage.

There is a mortgage still in place and foreclosure was filed recently, but no sheriff sale date yet. Because he was living there he agreed to pay the mortgage. He stopped paying and quit claimed the deed to me for nominal value and my plan is now to move in and pay the mortgage.

My ex signed a quitclaim deed transferring their interest to me, and it was recorded. I am in the process of paying the reinstatement fee to have the loan active again.

My ex still remains on the mortgage/note and we have no plans on removing them.

There is an IRS lien of about $65k tied to my ex that the IRS put a lien on the property.
The IRS lien have existed before the quitclaim deed filed this year. I’m trying to reinstate the mortgage and keep the property

My questions:

If I work out an installment agreement or settlement with the IRS, does that generally reduce the likelihood of the IRS caring about the quitclaim transfer? How can I workout a plan with the irs when debt it’s not under my name. I realize the lien is on the property but what are my options regarding that.

Since my ex no longer owns the property, would future IRS tax liens for new tax debt normally still attach to the house?
In practice, do IRS liens on primary residences usually just sit there until refinance/sale, or do people actually see forced sales often?

Please does anyone have any opinions as to what is going to happen?

I’m in Pennsylvania and trying to understand the risk surrounding a quitclaim deed, an IRS lien tied to my ex, and a hypothetical future bankruptcy.

Facts:
House was originally jointly owned by me and my ex purchased during marriage.

There is a mortgage still in place and foreclosure was filed recently, but no sheriff sale date yet. Because he was living there he agreed to pay the mortgage. He stopped paying and quit claimed the deed to me for nominal value and my plan is now to move in and pay the mortgage.

My ex signed a quitclaim deed transferring their interest to me, and it was recorded. I am in the process of paying the reinstatement fee to have the loan active again.

My ex still remains on the mortgage/note and we have no plans on removing them.

There is an IRS lien of about $65k tied to my ex that the IRS put a lien on the property. There is also a small judgment (~$4k) against him personally (relevant for hypothetical bankruptcy.)
The IRS lien have existed before the quitclaim deed filed this year.
I’m trying to reinstate the mortgage and keep the property
My questions:
If my ex hypothetically filed Chapter 7 bankruptcy in the future, how likely is it that a trustee would try to avoid/set aside the quitclaim deed as a fraudulent transfer?

Does the existence of the mortgage + IRS lien reduce the chance of a trustee pursuing the property if there isn’t much equity?

If a trustee did challenge the transfer, are settlements/payment plans with the trustee common instead of actually forcing a sale?

If I work out an installment agreement or settlement with the IRS, does that generally reduce the likelihood of the IRS caring about the quitclaim transfer? How can I workout a plan with the irs when debt it’s not under my name. I realize the lien is on the property but what are my options regarding that.

Since my ex no longer owns the property, would future IRS tax liens for new tax debt normally still attach to the house?
In practice, do IRS liens on primary residences usually just sit there until refinance/sale, or do people actually see forced sales often?

P.s. the reinstatement is 30k and the lien is 65k, which is much more than my exes equity. My point is the deed transfer wasn’t really nominal since I’m planning on paying 95k to keep the property.