All Forum Posts by: Tiarai Fields

Hello again @Denise Evans! I have a few follow up questions after reading your post that I'm hoping you could help answer: 

1. How does this new law impact lienholder redemption rights (where they have that additional one year from receipt of the letter to redeem) and the judicial redemption rights of the owner, where they have 3 years after the certificate holder takes possession? 

2.Are we no longer allowed to take possession under the new law? I have a 2019 tax certificate that is past that 4 year redemption period under this new law, could I attempt a tax lien foreclosure ? 

3. Under this new law,  how are redemptions handled? Previously I know past the 3 year mark, they were handled between the owner and certificate holder. I read under the new law that "Any person with a right to redeem the property may do so at any time prior to the entry of final judgment in the proposed action, either by payment to the tax collecting official as provided by law before an action is commenced, or by filing a timely answer or motion in the court after an action has been commenced." 

4. Do you need a real estate attorney to initiate a tax lien foreclosure? if so, about how much does that cost to initiate (ballpark)? 

Got it, thx!!

Hi @Denise Evans If I don't turn in my tax certificate for the tax deed after the three year period is up is my certificate voided? What if annual tax payments were made to keep it from going back to auction?

Thank you! 😊 

Hi @Denise Evans you might’ve already answered this question in previous posts, please forgive me for asking if that is the case. Can you explain what happens if a lienholder does not exercise their redemption rights after the three year administrative redemption has passed and they did not redeem within one year from written notice? Conversely, if they do redeem within one year of receiving written notice, how do I instruct them to redeem? (through redemption office, request of XYZ documentation/form etc) ? 

Similar to question the above, how is this done with the owner who would like to redeem under the judicial period and after I’ve taken possession? Is this a process that must be done in court or can it be done outside of court?

Callouts: I am still in possession of the tax certificate and am holding out on applying for the tax deed due to the IRS being one of the lien holders. 

Thanks so much! 

Hi Denise,

In this scenario, would it be best to send a written notice to the owner first and then file an ejectment if the owner doesn't respond after 6 mos? If so, what kind of verbiage should the written notice contain? If the land has a mortgage, would you send the same notice to the lender as well so that the redemption clock starts at the same time?

@Denise Evans Thank you!!

@Robert Sims thank you so much for this information. I will check it out. Also, I have been in contact with Denise, she is awesome! Happy Holidays!

Hi @Robert Sims can you please give any advice/suggestions on decoding the tax delinquent list to find addresses? Thanks!

Hi @Michael Balducci! I live in Huntsville as well! It’s nice to meet you. Let me know if you ever want to do a group meetup and we can connect and share knowledge!