Texas Property Tax Legal Questions

If you are facing a foreclosure sale, then filing a chp13 bankruptcy will stop the foreclosure sale. Additionally in the chp13 you will be able to reorganize the debt to the extent whatever you owe will be spread out to 60 months to be paid off. Depending on your income, certain debts like unsecured debts (ie credit cards, personal loans, medical, etc) can be discharged meaning wiped away. Contact a local bankruptcy attorney to give you a free consultation to discuss your options. If you reside in Houston, feel free to contact my office which provides a free consult to discuss your case... Read More

Sorry to hear about your situation. First thing first, you may want to contact the appraisal district and try to set up a payment plan with them. Eventually they can proceed to file a lawsuit to foreclose on the behind payment if it is not paid timely. At that time you can also file a chp13 bankruptcy which will stop the foreclosure process and give you 60 months to pay back on the property taxes that you fell behind on. In regards to the valuation, unfortunately even though the increase may be unjustified, you do have to file a dispute when you receive the yearly valuation so they will decrease the value of the home. If you live in the Houston area, feel free contact my office to discuss more specifically about a potental bankruptcy case if the amount owed is far too much.    Peter Kim Attorney... Read More

At the end of the day the person whose name is on the real property is liable for the full amount owed. If you need time to pay the property taxes owed, I would recommend that you contact the appraial agency asap and see about setting up a payment plan. If that first work you can file a chp13 bankruptcy which will spread the amount owed to 60 months plus stop any foreclosure action that may be commenced. The worst thing to do is to wait for someone else to pick up the tab or to wait until the taxing agency does something because the amount owed will continue to increase. If you have any questions or need clarification please feel free to contact me for a free consultation Min Kim(Peter) Attorney... Read More

Unfortunately when it comes to property taxes, just like any other debt, it' a matter of do you owe the money or not. Although you can send a letter to the judge about your financial predicament, it's not going to get you off the hook on oweing the money. You can contact the atty for the property tax appraisal agency and see about a payment plan, but usually it will be expedited meaning they will want the payments sooner then later. Alternatively you can file a chp13 bankruptcy that will spread out the property taxes for 60 months and stop the lawsuit which may give you alot more time then what the property tax agency atty may give you. At the same time if you have any other debts the bankruptcy may eliaminte them depending on what they are. Contact the atty for the property tax agency to see what payment plan they may provide. Subsequently reach out to a bankruptcy atty to see what the bankruptcy may provide to you. The 1st consultation for a bankruptcy matter is free at my firm so feel free to call me if you have any questions or need clarification    Min Kim(Peter), Attorney... Read More

Good morning I'm sorry to hear about your situation. The very first thing you may want to do is to contsct the taxing authorities/appraisal district and inform them of your age and disability. You can fill out forms that will exempt you from having to pay property taxes due to age and also your disability. HOWEVER, what this does is that although you don't have to pay the taxes right at the moment and going forward, the tax debt will continue to grow on your home. At anytime the house is tranfered out of your name (sale, transfer, death, etc) the totality of the accrued debt will all be due.   For alot of elderly clients or disabled clients, if they are intending to stay in their current home, this may be a possible option because off their limited income and this will allow them to not have to allocated their income for property taxes.   Hope this helps... Read More

Good afternoon Im sorry to hear that you are having difficulties with your property taxes. If you need help with stopping the foreclosure sale, you can file a chp 13 bankruptcy to stop the foreclosure sale and also to restructure the payment down to a more reasonable payment plan. If you reside in Houston or surrouding area, please feel free to contact me for assistance  Min Gyu Kim (Peter) Attorney at Law Law Firm of Min Gyu Kim PLLC Galleria Office 2100 West Loop South, Suite 805 Houston, TX 77027 Tel: (713) 259-3929 email: minkim@kimlylaw.com... Read More

Good afternoon Im sorry to hear that you are having difficulties with your property taxes. 1st, if you are filing a bankruptcy, please keep in mind that a Chp13 bankruptcy may give you a little more cushion with your property taxes because the chp 13 bankruptcy will spread out the property taxes for the duration of your chp 13 case (3-5 years) rather then paying it all upfront. The downside is two-fold, 1st you are in a bankruptcy for 3-5 years compared to 3-4 months if you are looking into a Chp 7 bankruptcy and 2nd you will be responsible to make the ongoing property taxes going forward. Luckily enough, in a chp 13 bankruptcy and in the southern district of texas (if you live in this district) the chp 13 plan now allows for ongoing property taxes to be "escrowed" into the chp 13 plan itself so that you are having the chp 13 plan take care of your current property taxes and your ongoing property for the duration of your bankruptcy case.  2nd- Chp13 will also allow you to eliminate your unsecured debts (ie credit cards, personal loans, etc..) like your chp 7, but again, the sacrifice your making will be the lenght of time in your case. However, again, the chp 13 will allow you to address your property taxes at a more reasonable amount per month rather then having to get that altogether. 3rd - During the time you are in the chp13 and paying the property taxes back monthly, the automatic stay (your legal protection) will stop any forelcosure or collection action. As such, you don't have to worry about your property tax creditor coming after your property. Since you are in the process of filing your bankruptcy, please ask your attorney about your options because you don't want to file a bankruptcy and still have debts to deal with (or if you don't have one, it may be wise to hire an attorney. For a chp 13, like at my office, we do not charge alot to file the chp 13 because attorney fees can be included in the chp 13 case).  Hope this helps! If you reside in the Houston area, please feel free to ccontact me for assistance Min Gyu Kim (Peter), Attorney (713) 259-3929... Read More