Hello, I have had unforeseen issues to which I had to use my money for an emergency. What are my options, also appraisal is obscene.

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