.
    x^2 + y^2 - 4x + 6y - 12 = 0      <<<---=== re-group to get
    (x^2 - 4x) + (y^2 + 6y) = 12      <<<---=== make identical transformations as shown below
    (x^2 - 4x + 4) + (y^2 + 6y + 9) = 12 + 4 + 9    <<<---=== complete the squares
    (x-2)^2 + (y+3)^2 = 25            <<<---===  Standard equation of the circle
Your circle has the center at (2,-3) and the radius   = 5.
The distance from the center to the given point (4,-1) is
    d =  =  = 
which is less than 5.
Hence, the point (4,-1) lies INSIDE the given circle.
Therefore, any line passing through (4,-1) cannot be tangent to the circle.
Answered and solved.