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Understanding Property Tax Sale and Foreclosure Notices

When people don’t pay their property taxes or mortgage, they can lose their homes. This can happen through property tax sales or foreclosures. It’s important to understand the notices you might get if you’re in this situation.

Property Tax Sale Notices :

If you don’t pay your property taxes, the government can sell your property to get the money you owe. Before this happens, you’ll get a notice telling you about the overdue taxes and the sale. This notice will also tell you how much you owe and when you need to pay it.

Foreclosure Notices :

When you don’t pay your mortgage, the lender can take your home. They’ll send you a notice called a foreclosure notice or notice of default. This notice will tell you how much you owe and when you need to pay it.

• Foreclosure Process in Maryland :

In Maryland, the foreclosure process typically begins when a homeowner falls behind on their mortgage payments. The lender files a foreclosure action with the court and serves the homeowner with a summons and complaint.

The homeowner has the opportunity to respond to the complaint and attend a hearing. If the court rules in favor of the lender, a foreclosure sale is scheduled, and the property is sold at auction.

• How to Foreclose on a Tax Lien in Maryland :

To foreclose on a tax lien in Maryland, the tax collector must first notify the property owner of the overdue taxes. If the taxes remain unpaid, the tax collector can sell the tax lien to a third party. The third party can then foreclose on the tax lien by following the legal process outlined in Maryland law.

• Sales Tax on Property in Maryland :

In Maryland, there is no sales tax on the sale of real property (real estate). However, there are other taxes and fees associated with property transactions, such as transfer taxes and recording fees. These vary depending on the location and value of the property.

• What Happens If You Don't Pay Property Taxes in Maryland :

If you don’t pay your property taxes in Maryland, the county can sell a tax lien on your property to recover the unpaid taxes. If the taxes remain unpaid, the county can ultimately sell your property at a tax sale to recover the taxes owed.

Conclusion :

Getting a property tax sale or foreclosure notice can be scary. But understanding these notices can help you navigate the process. If you’re in this situation, it’s important to get help from legal and financial professionals. They can help you find ways to keep your home.

If you're facing a property tax sale or foreclosure,

reach out to us at [email protected] or (240) 704-7773. Our team is here to assist you in understanding your options and navigating the process with expert guidance.

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