Don’t Lose Your Home
for Pennies on the Dollar
Unpaid delinquent property taxes allow the county to auction off your home to the highest bidder. Whether your home is in North Carolina or South Carolina, we provide fast solutions, either by providing funding to pay off past-due property taxes or by making a cash offer to protect your remaining equity.a
- 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
Every month, on courthouse steps across NC and SC, families lose $300,000 homes over a $4,000 tax bill. The local government only cares about collecting unpaid property taxes, not protecting your hard-earned home equity.
You Lose Your Equity
When a property is sold at a tax sale county auction, excess fees, interest, and legal costs eat away at your remaining value. Never let a small debt wipe out your home’s value.
Tax Lien Investors
Investors purchase tax lien properties at steep interest rates (up to 12% in SC). This interest continues to accrue daily until you pay off the lien or lose the property.
You Still Have Time to Act
Counties sell tax certificates or file judicial foreclosures to recoup delinquent real estate taxes. Taking action today prevents permanent ownership loss.
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?
Not necessarily. You have 12 months from the auction date to redeem tax lien listings. If you are still within this window, we can pay the delinquent tax office directly to cancel the sale and restore your clear title.
Can I just make partial payments to the county?
Counties usually accept partial payments early on, but once a property reaches legal foreclosure status or enters a tax sale county pipeline, they require full payment, including court fees and interest. We provide the complete lump sum needed to satisfy the entire debt.
What happens to the extra money (“Overage”) if the county sells my house?
If your property sells at auction for more than the unpaid property taxes owed, the remaining funds (“overage”) legally belong to you. However, retrieving the overage from court registries takes months. Selling directly to us before auction ensures you collect your equity immediately without court delays.
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?
Filing Chapter 13 bankruptcy triggers an automatic stay that temporarily stops property tax foreclosures. However, bankruptcy severely damages your credit score for up to 10 years and involves significant court costs. Our tax funding and direct purchase options resolve the debt without bankruptcy damage.
Does waiting cost me more money?
Yes. In South Carolina, redemption interest increases every quarter (up to 12%). In North Carolina, court costs, title search fees, and legal expenses accumulate constantly on tax delinquent records. Taking action early saves thousands of dollars.