Don’t Lose Your Home
for Pennies on the Dollar
Unpaid property taxes allow the County to sell your home to the highest bidder. Whether you are in NC or SC, we provide the funds to pay the debt or buy your home to save your equity.
- Save Your Home & Equity
- NC & SC Property Tax Experts
- Local, Trusted Solutions
- No Credit or Banks Required
The County Will Sell Your House. It Is Not a Bluff
It is a tragedy we see every month on the courthouse steps. A family loses a $300,000 home because of a $4,000 tax bill. The government does not care about your equity; they only care about collecting their tax money.
You Lose Your Equity
When a home sells at a tax auction, they can potentially lose the equity you have in the property with the fees, interest, and cost to complete the sale. You’ve worked hard to gain your equity. Never let a small tax bill take it away from you.
Tax Lien Investors
Investors purchase tax liens at high interest rates (up to 12% in SC). This interest continues to accrue until you pay off the lien or the property is foreclosed on. Don’t let this happen. We can help.
You Still Have Time to Act
Counties need tax dollars to run the government. If you don’t pay your taxes, they will sell tax certificates to the highest bidder which carries high interest rates that you will be responsible in paying back.
Two Ways We Stop The
Tax Collector
Option A: The Tax Loan We pay the taxes. You keep the house.
If you have equity in your home but are short on cash, we can lend you the money to pay off the County Tax Collector immediately.
- Immediate Payment: We cut a check directly to the county.
- Flexible Repayment: You or partner with us to pay this back over time.
- Stop the Auction: The sale is cancelled instantly.
Option B The Equity Sale: Sell before the auction. Keep your money.
If you are tired of the property or can’t afford the upkeep, don’t let the county steal it. Sell it to us before the auction date.
- We Pay the Lien: The tax bill is paid in full at closing.
- You Get Cash: You walk away with your remaining equity.
- Fast Close: We can close in 7 days to beat the sale.
The Process Depends Entirely on Your State
North Carolina and South Carolina have completely different tax laws. Select your state to see your timeline.
South Carolina: The “Tax Lien Sale”
The Redemption Period System
1
The Tax Auction (End of Year)
If taxes aren’t paid, the County Treasurer auctions off your property. However, the high bidder does not own your home yet. They only own a “claim” on it.
2
The 12-Month Redemption Period
This is your safety net. By SC law, you have exactly 12 months from the date of the sale to keep your home. You must pay the Delinquent Tax Office the total amount due plus the penalty interest to cancel the sale.
3
The Escalating Penalty (The Trap)
The longer you wait during that redemption year, the more expensive it gets. You must pay interest to the bidder based on when you redeem:
- Month 1–3: 3% Penalty
- Month 7–9: 9% Penalty
- Month 4–6: 6% Penalty
- Month 10–12: 12% Penalty
4
The Tax Deed Issued
If you do not redeem within 12 months, the county issues a “Tax Deed” to the bidder. You lose ownership, and they can begin eviction proceedings.
North Carolina: The “In Rem” Foreclosure
The Legal Lawsuit System
Key Difference:
Unlike SC, North Carolina does NOT have a 1-year redemption period. The process is a lawsuit, similar to a bank foreclosure.
1
Attorney Demand Letter
The county hires a private attorney to collect. They send a demand letter warning of foreclosure. Legal fees are added to your debt immediately.
2
The Lawsuit & Judgment
The county files an “In Rem” lawsuit against the property. If you don’t pay, they get a court judgment authorizing the sale.
3
The Sheriff’s Sale
The Sheriff auctions the home on the courthouse steps. The highest bidder wins.
4
The 10-Day Upset Bid Period
This is your only chance to save it after the auction. For 10 days, anyone can raise the bid by 5%. If no one does, the sale is final, and the deed transfers. You must act before this window closes.
Stop Worrying and Get Your Solution Today
Your consultation is 100% free, completely confidential, and there is zero obligation. Take the first step. Fill out the form or call us now. Find out exactly how we can help you.
Inherited a House with Back Taxes?
This is a common issue known as “Heir Property.” Maybe a relative passed away, the deed was never updated, and tax bills went to the wrong address. Now the county is threatening to sell grandma’s house.
It’s messy, but we can fix it.
How We Solve Heir Property Issues
- We Pay the Taxes: We can advance the funds to stop the sale immediately.
- Probate Help: We work with attorneys to clear up the “cloudy” title.
- Fair Distribution: We can buy the home and ensure every heir gets their legal share of the cash.
Frequently Asked Questions
We believe in 100% transparency. Here are honest answers to the most common questions we get.
My house was sold at the SC tax auction last year. Is it too late?
Maybe not. You have exactly 12 months and 1 day in some cases. If you are even one day past the deadline, the deed transfers. Call us immediately with your sale date, and we can check if you are still within the Redemption Period.
Can I just make partial payments to the county?
Usually, yes, until it goes to “Legal Status.” Once a lawsuit is filed (NC) or the lien is sold at auction (SC), the county typically demands payment in full, including all legal fees and interest. They often refuse partial payments at this stage. We provide the lump sum needed to satisfy the entire debt.
What happens to the extra money (“Overage”) if the county sells my house?
If your home sells for more than the taxes owed, the extra money is called “Surplus Funds” or “Overage.” Legally, this belongs to you. However, the county does not make it easy to get. You often have to petition the court to release it, and it can take months. We recommend selling before the auction so you get your full equity immediately without fighting the court system.
If I lose my home to taxes, how soon must I move out?
In South Carolina: You generally don’t have to move until the 12-month redemption period is over and the deed has transferred. In North Carolina: The process is faster. Once the Sheriff’s sale is confirmed (after the 10-day upset bid), the new owner can file for a “Writ of Possession” to have the Sheriff remove you, often within a few weeks.
Will filing for Bankruptcy stop a tax sale?
Yes, filing a Chapter 13 bankruptcy typically triggers an “Automatic Stay,” which halts tax sales immediately. However, it also ruins your credit for 7-10 years and requires you to pay legal fees plus a 3-5 year repayment plan. Our solutions (Tax Loan or Sale) solve the problem without the long-term damage of bankruptcy.
Does waiting cost me more money?
Yes, drastically. In SC, penalties increase every 3 months (3%, 6%, 9%, 12%). In NC, attorney fees and court costs are added to your bill once the lawsuit is filed. A $2,000 tax bill can turn into a $5,000 debt very quickly.