Hurry up and get those taxes taken care of....penalty rounds are right around the corner

When we don't pay our property taxes in a timely fashion the county uses this as another means of revenue production. Here is the tax penalty chart for Denton County , Texas:

What happens if I can not pay my taxes by the due date?
If taxes are not paid by January 31^st, penalties and interest will accrue are follows: 

IF TAX PAID IN :	ADD					IF TAX PAID IN :	ADD
	PENALTY		INTEREST		TOTAL		PENALTY		INTEREST		TOTAL
FEBRUARY	6%	+	1%	=	7%	MAY	9%	+	4%	=	13%
MARCH	7%	+	2%	=	9%	JUNE	10%	+	5%	=	15%
APRIL	8%	+	3%	=	11%	JULY	12%	+	6%	=	18%

Penalty reaches a 12% maximum and interest will increase 1% each month thereafter.

Personal property and mobile home accounts not paid in full by March 31^st of the year in which they become delinquent will be referred to the delinquent tax attorney for enforced collection, and will incur an additional penalty equal to 15% - 20% of the total taxes, penalties, and interest due.

All real property accounts not paid in full by June 30^th of the year in which they become delinquent will be referred to the delinquent tax attorney for enforced collection, and will incur an additional penalty equal to 15% - 20% of the total taxes, penalties, and interest due.

If you think you had problems paying them before, wait until they penalize you, compound interest for a few months and than do it again. Eventually the penalties could equal the original tax due thereby doubling your taxes due in a very short period of time. If you don't have the money now, are you going to have twice the money in 6 months to a year. If so, great....if not call us! 

Don't get caught unprepared. Let Tax Loans USA  get those property taxes paid ON TIME!! There is no out of pocket expense, and 90% of applicants are approved. Keep as much of your money as you can. These are very tough times, even harder if you are struggling alone. Let us help you, we can get through it together. Call us at 800-719-4096, and let us help.

Have Some Holiday Fun at Tax Loans USA!!

Tax Loans USA Holiday Gifts - Christmas Television Drawing and $200.00 Visa Gift Cards

How would a new flat screen TV look in your home? Register for your chance to enjoy a terrific HDTV experience with a RCA 42" plasma HDTV.

The drawing will be held Thursday, December 30, at 1 p.m. There is no purchase necessary to win. However, if you take out a loan to pay your 2010 property taxes or payoff past due taxes, you double your chances to win because you will be entered again! Contact us at 800.719.4096 for additional information.You need not be present to win at the drawing.

We here at Tax Loans USA hope your Holidays are full of the joy and peace of the season and hope 2011 is a fantastic year for you and yours.  
Note: You must have a source of HD programming in order to take full advantage of the RCA 42" plasma HDTV. Contact your local cable or satellite TV provider for details on how to upgrade.
 

$200.00 Visa Gift Card

Through December 31st if you pay your 2010 Texas Property Taxes or your Past Due Taxes with Tax Loans USA you will receive a $200.00 Visa Gift after your loan Funds. Contact us at 800-719-4096 or at www.taxloansusa.com


About us:

An Affordable Way to Pay Your Property Taxes

We are based in the Dallas Fort Worth area serving Texans. Good people with money to lend. We provide flexible loan solutions to take care of your past due property and school taxes.

No application fee
No out of pocket expenses
Flexible terms (5 year to 15 year terms)
No pre-payment penalty
Fast and easy
90% approval rates (credit reports are not used)
Counties in Texas increase interest rates and penalties each month. Protect your property by calling Tax Loans USA.
Tax Loans USA provides a way for taxpayers to make low monthly payments with no prepayment penalties and fixed interest rates.
Each year, thousands of people find themselves unable to pay their property taxes on time. Tax Loans USA approves 90% of applications and once approved, your property taxes are paid in full with NO OUT OF POCKET expenses.

Give us a call and free up some holiday cash while we take care of your property taxes!!    800-719-4096

Why are we blogging at Tax Loans USA?

 This may at first seem to be a simple question with a simple answer....we are trying to advertise and create exposure. That is a side effect. The reason we blog at Tax Loans USA, is to help inform and educate. If you know what may be coming and understand how it effects you, you can prepare and make sure that the negative effects get reduced while allowing yourself the greatest exposure to positive events or market timing.

We aren't getting paid for this, we try and educate because it is the right thing to do regardless of whether or not you do business with us. The well being of the whole insures the well being of the individual, not the other way around as has been demonstrated so many times by Investment Banks and the bankers inside them. The best compliment I can receive is to know that we helped somebody avoid serious property tax problems before they got started. We are here to help, not take advantage of people.

We will take care of all your property tax issues from back taxes to helping to clear lawsuits placed against your property. Our rates are competitive and you choose the term that is right for you with no up front cost to you, nor prepayment penalties. We have a 90% approval rate, so don't let credit scores or blemishes get in your way. We don't factor that in. Instead we offer that hand up, to help you get back on your feet.

We also believe that a great way to help somebody is to educate, and that is what we try and do here. Read on friends, it doesn't cost anything and hopefully we can provide you with some information that will help you before things get out of hand, and if they do....rest assured we will stand with you in the fight to get things back to right!

Look in the archives to December 9, 2010. You will see that one week ago we posted a blog about rising rates. Here is a headline from Bloomberg.com dated 12/9/2010.... today:

Mortgage Rates for U.S. Loans Jump to Five-Month High

By Prashant Gopal - Dec 9, 2010 10:21 AM CT

 

 

We will continue to try and offer insight before it happens, so you are best prepared for when it does.

We know what happens when an individual can't pay their bills but what about a government?

When an individual can't pay their bills or taxes they are left two options, get a loan or file bankruptcy. Bankruptcy is a terrible solution with effects that last for decades. Loans can be tricky, usually the person needing the loan is going to be hard pressed to qualify and if they do, its going to be at a rate that is disadvantageous and perpetuates the shortfall. Tough choices face the individual, they don't have the option of walking in and forcing their employers to pay them more to cover expenditures.
The government doesn't have that problem. Its called raising taxes. Could be on a Federal, State, or Local level but they can all do it and will have to in order to meet economic problems looming on the horizon. Knowing this, put yourself ahead of curve. If you have property tax problems now, assume they will get worse. Fees will be compounded and eventually the taxing entities have the recourse to take your property. GET YOUR PROPERTY TAX PROBLEMS TAKEN CARE OF NOW!!! The longer you wait, the more it will cost you in compounded interest and penalties and the less prepared you will be for future tax increases.

Ireland and most of Europe is facing this problem head on. They have cut services and raised taxes to record levels. Lines are forming at banks and the uncertainty could possibly threaten the future of the European Common Currency, or "Euro". Nobody is sure if it is sustainable but rest assured that if tax increases happen here, property will be a primary tax target because it is secured by a solid asset...your home!

Take the offensive! At the very least keep the number for Tax Loans USA in your desk or phone for if and or when you may need it. Make sure your bills are manageable now with some room for increases in tax rates, its coming. If that isn't option right now, let us be that helping hand that enables you to get your house in order. Tax Loans USA can get those property taxes under control with several terms that let you choose the payment that is most helpful to you with no prepayment penalty. We will handle all the taxing entities from the county, utilities, the ISD, and the lawyers that go with them. We will help you put things back to a level that not only solves today's problems but helps you prepare for tomorrow's problems as well.

Call Tax Loans USA at 800-719-4096 and let us prove our worth to you. We can be that last line of defense or that first line of offense! Take control and lets us be a part of your present and future financial team.

Having trouble getting a loan for taxes?

Every year, thousands of Texans have trouble keeping up with taxes levied by counties and ISD's. The late penalties are huge and compound the problem until it is almost unmanageable and foreclosure seems imminent. The economic mess doesn't help matters either, but we at Tax Loans USA do....

When you fall behind the first thought is to go get a loan , string out the payments, and make the cash outflows more manageable. Problem is that most creditors have raised the requirements for loans so high that those that really need the help, can't get it. Even if you are fortunate enough to be approved, a couple blemishes on your credit score will cost you thousands more than someone with a better score for the same loan. Sounds like a debt treadmill again, doesn't it? If it feels like you can't win, don't play the game....come to TAX LOANS USA instead!

We don't use credit scores for loan evaluation. 90% of our applicants get approved and put their Texas property tax burdens behind them. There is no out of pocket expense to you, and the first two months of the loan are payment free. We can and will give you that hand up that nobody else will. Put time on your side. You aren't alone....call us at 800-719-4096 and let us prove it you.

Is your property overtaxed?

The curious thing about laws and county appraisals is they make sense at the time, but are very slow to alter when everyday life dictates something else. Do you think that your property is worth the same now as it was in 2005-2006? If so, turn off your computer and go back to the dreaming....

County budgets, especially in Texas are highly dependant on tax rolls and when the bottom falls out, so does the county's ability to pay for services and programs. That being said, its likely that there is a bit of a game going on with property tax appraisals. Make sure that you are being taxed fairly for the true value of your property....here's how.

1) Pull the CAD on your neighbors homes, especially if the house was recently sold. Make sure your values and rates are relatively the same. This can be done very simply over the Internet.

2) If you have some extra cash (yeah, were all made of money) hire an independent appraiser. The savings that they may find will parley into years worth of adjustments, not just one.

3) If you have some facets of your property such as an odd floor plan or location near something like train tracks, airports, etc this might adjust your appraisal. These are things that some may deem "less desirable". They may not bother you, but let things like that work for you.

4) After doing your research call the county appraisal district and protest the appraisal. Make sure you have ample supporting data and challenge what they say. I still have rights, don't just roll over! Its your hard earned money, don't just blindly hand it over. It's too hard to make, and in these times just the ability to be able to earn a wage is a blessing. Fight for what is already yours!

At Tax Loans USA, we will join that fight with you. If you are having problems with current or back property taxes, call us. The county has lawyers, clerks, and multiple layers of bureaucracy to tie you down. We will deal with all of them on your behalf and get your Texas property tax problems settled quickly and painlessly. Our rates are are competitive and we have several terms available to suit your individual needs. There is no prepayment penalty so you can pay it off at any time...when its right for you. Give us a call at 800-719-4096 and let us prove our worth to you!

Rates could start to rise through 2011...Take advantage of the NOW

We are all guilty of trying to get the very most out of our hard earned dollars. We try and buy investments at the lowest of lows often times missing the greater opportunity because we were too focused on the second by second price ticks. Professional traders seldom get it right and when they do its more often because they are more lucky than good. I know, I was a professional trader.

Instead, look at the big picture. When I bought my first home interest rates were at 6 3/8%. I thought I had the deal of the century and for the times, I did. Now they hover in the high 4% to low 5% range on a 30 year fixed home loan. Why would somebody miss the chance to cash in here chasing a 1/4 point. IT DOESN'T GET MUCH BETTER THAN THIS!! The dollar is beginning to gain strength and there are lots of them out there courtesy of the Fed. This will eventually lead to inflation. Inflation leads to higher interest rates which lead to HIGHER PAYMENTS for everything thereby making tough times even tougher.

Seize the NOW! If you are behind in property taxes or feel that there is a chance that you could get behind, the price for peace of mind will probably never be cheaper. Don't let the threat of a County tax lien ruin your holidays. Tax Loans USA can and will help you solve your property tax problems at no cost to you. We are a team of trained professionals that know the system inside and out and will deal with the county offices, ISD's, and Lawyers that the county and school districts have commissioned to seize your home or property for unpaid taxes. We will fight for you and give you the peace of mind that comes with having a group of professionals on your side!

Rates are competitive, and probably will not get cheaper. Take advantage now before the price of peace of mind goes up. Give us a call at 800-719-4096 and let Tax Loans USA prove it to you. The time is right.

Take some holiday stress off....

It's amazing that shortly after the Holiday season, the counties decided long ago that it would be a good time to toss a tax bill in as well. We were warned what was coming in the fall, but that that doesn't stop the train from bearing down. At Tax Loans USA we have the simple, stress free solution to property tax problems.

Let us take care of your property tax burdens. We can stretch out the burden of one year or several years of back taxes over several different term options. There is no out of pocket cost, and we will settle up with whatever county you live in, the ISD, as well as any legal issues that may arise.

Rates are very competitive and we pride ourselves in offering customer support that will not be beat by anybody and there are no prepayment penalties.

The Holiday season is meant to celebrate with friends and family. Don't let property tax bills scrooge the season. We are on your side....let us prove it to you and get back to celebrating the reason for the season.

Still have a chance....

The S&P/Case-Shiller index of property values climbed 0.6 percent from September 2009, the smallest gain since January. Still a great time to refi, buy, or spread out those troublesome tax bills over the whole year. Use some of that hard earned cash for the family over the holidays and allow Tax Loans USA to take care of the short term problems cash flow problems.

Tax Loans USA is THE simple, no cost to you way to solve property tax problems. The rates are competitive and the customer service will not be beat. Lets us help you shoulder the burden and spread out the payments over the next 12 months. Ask about longer terms as well, they run from 5 to 15 year terms with no penalty for prepayment. We can and will help....just call us! 800-719-4096

An Affordable Way to Pay Your Property Taxes

We are based in the Dallas Fort Worth area serving Texans. We provide flexible Texas Property Tax Loan solutions to take care of your past due property and school taxes for Commercial or Residential

• No application fee
• No out of pocket expenses
• Flexible terms (5 year to 15 year terms)
• No pre-payment penalty
• Fast and easy
• 90% approval rates (credit reports are not used)

Personal property and mobile home accounts not paid in full by March 31^st of the year in which they become delinquent will be referred to the delinquent tax attorney for enforced collection, and will incur an additional penalty equal to 15% - 20% of the total taxes, penalties, and interest due.

All real property accounts not paid in full by June 30^th of the year in which they become delinquent will be referred to the delinquent tax attorney for enforced collection, and will incur an additional penalty equal to 15% - 20% of the total taxes, penalties, and interest due.

Who is responsible for paying taxes?State law automatically places a tax lien on property on January 1 of each year to ensure that taxes are paid. The person who owns or acquires a property on or after January 1 of the tax year is personally liable for the tax. A person is not relieved of the obligation because he no longer owns the property. (Sec. 32.07, Texas Property Tax Code).

Counties in Texas increase interest rates and penalties each month.

  If taxes are not paid by January 31^st, penalties and interest will accrue are follows:

IF TAX PAID IN :	ADD					IF TAX PAID IN :	ADD
	PENALTY		INTEREST		TOTAL		PENALTY		INTEREST		TOTAL
FEBRUARY	6%	+	1%	=	7%	MAY	9%	+	4%	=	13%
MARCH	7%	+	2%	=	9%	JUNE	10%	+	5%	=	15%
APRIL	8%	+	3%	=	11%	JULY	12%	+	6%	=	18

Have Questions? Call The Texas Property Tax Lending Experts, Tax Loans USA at 800.719.4096 or go to http://www.taxloansusa.com/

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Protect your property by calling Tax Loans USA.
Tax Loans USA provides a way for taxpayers to make low monthly payments with no prepayment penalties and fixed interest rates. Each year, thousands of people find themselves unable to pay their property taxes on time. Tax Loans USA approves 90% of applications and once approved, your property taxes are paid in full with NO OUT OF POCKET expenses.

Tax Loans USA is committed to providing professional service to every single customer in every single transaction. While we cannot always provide a solution in every circumstance, we pledge to communicate and to treat every customer with respect. For more information please call 800.719.4096 or go to http://www.taxloansusa.com/

Texas Property Taxpayers’ Bill of Rights

 

1.  You have the right to equal and uniform taxation.

2. You have the right to ensure that your property is appraised uniformly with similar property in your county.

3. You have the right to have your property appraised according to generally accepted appraisal techniques and other requirements of law.

4. You have the right to receive exemptions or other tax relief for which you qualify and apply timely.

5. You have the right to notice of property value increases, exemption changes and estimated tax amounts.

6. You have the right to inspect non-confidential information used to appraise your property.

7. You have the right to protest your property’s value and other appraisal matters to an appraisal review board composed of an impartial group of citizens in your community.

8. You have the right to appeal the appraisal review board’s decision to district court in the county where the property is located.

9. You have the right to fair treatment by the appraisal district, the appraisal review board and the tax assessor-collector.

10. You have the right to voice your opinions at open public meetings about proposed tax rates and to ask questions of the governing body responsible for setting tax rates.

11. You have the right to petition a local government to call an election to limit a tax increase in certain circumstances.

12. You have the right to receive a free copy of the pamphlet entitled Property Taxpayer Remedies published by the Texas Comptroller of Public Accounts.

Tax Loans USA is committed to providing professional service to every single customer in every single transaction. While we cannot always provide a solution in every circumstance, we pledge to communicate and to treat every customer with respect. For more information please call 800.719.4096 or go to http://www.taxloansusa.com/



What if you don’t pay my Texas Property Taxes?

What if you don’t pay your taxes?

The longer you allow your delinquent property taxes to go unpaid, the more expensive and risky it becomes for you.

• You will have penalty and interest charges added to your taxes. Regular penalty charges may be as high as 12 percent, depending on how long the tax remains unpaid. Interest will be charged at the rate of 1 percent per month, with no maximum. Private attorneys hired by taxing units to collect delinquent accounts can charge an additional penalty to cover their fees.
• You will receive delinquent tax notices. The tax collector will send you at least one notice that your taxes are delinquent. They often send additional notices and warnings.
• You may have the option to set up an installment plan. Some tax collectors will allow you to pay delinquent taxes in installments for up to 36 months. They are not required to offer this option, however.
  Before signing an installment agreement, you should know that the law considers your signature an “irrevocable admission” that you owe all the taxes covered by the agreement.
• You may be sued. The tax collector’s last resort is to take a delinquent taxpayer to court. Court costs will be added to the delinquent tax bill.
  Each person who owns taxable property on Jan. 1 is liable for all taxes due on the property for that year. A person who owned taxable property on Jan. 1 can be sued for delinquent taxes even if the property has been sold or transferred since then.
• You may face problems in selling your property. Each taxing unit holds a tax lien on each item of taxable property. A tax lien automatically attaches to property on Jan. 1 each year to secure payment of all taxes. This tax lien gives the courts the power to foreclose on the lien and seize the property, even if its ownership has changed. The property then will be aucotioned and the proceeds used to pay the taxes. As a result of the tax lien, someone who purchases real estate cannot obtain a clear title until all the delinquent taxes owed on the property are paid in full. If you are buying a portion of a larger parcel of land, check the taxes on the larger parcel. You will not be able to clear a tax lien against your part unless taxes on the whole are paid.

For more infomation on this topic please go to http://www.window.state.tx.us/taxinfo/proptax/remedy10/remedy10_8.html

Tax Loans USA is committed to providing professional service to every single customer in every single transaction. While we cannot always provide a solution in every circumstance, we pledge to communicate and to treat every customer with respect. For more information please call 800.719.4096 or go to http://www.taxloansusa.com/contact.php

Questions on Texas Property Tax Loans? Tax Loans USA has the answers

How much money will I need to pay my taxes?
Usually none. In most cases, Tax Loans USA will pay all your taxes and closing costs so that you will only need to make your monthly payment on time beginning the following month.
Will an appraisal be required?
No. Tax Loans USA will use the county's tax appraised value in place of an expensive and time consuming appraisal
How long will it take to get my taxes paid?
Usually 6-10 days from the first phone call.
Who can't Tax Loans USA help?
The situations which Tax Loans USA cannot help are taxes on mobile homes, properties with a federal or IRS lien, property owners who are in the process of bankruptcy, property owners who owe less than $2,000 in delinquent property taxes and those whose delinquent taxes total more than 20% of the tax appraised value of the real estate
Are there prepayment penalties?
No. Tax Loans USA customers can pre-pay their loan at any time without penalty. Additionally, all loans are fixed rate loans so that customers do not have to worry about interest rates increasing

Tax Loans USA is committed to providing professional service to every single customer in every single transaction. While we cannot always provide a solution in every circumstance, we pledge to communicate and to treat every customer with respect.  Call us today at 800.719.4096 or apply online at http://www.taxloansusa.com/fullapply.php

Texas Property Taxes...What do I do?

When are taxes due?Tax bills for each year are mailed in October.  Taxes are due upon receipt of a statement. In order to be timely, payment of taxes must be paid in person or postmarked on or before the due date. If you mail payment for your taxes, the envelope must be postmarked not later than January 3^{1st .}




What if I don't receive a tax bill?

If you do not receive a bill, please contact our office or access our for a copy of your bill.
Failure to receive a tax bill does not affect the validity of the tax, penalty, or interest, the due date, the existence of a tax lien, or any procedure instituted to collect a tax (sec.31.01 (g), Texas Property Tax Code).




I received a tax statement but my taxes are paid by my mortgage company. What should I do?Original tax statements are sent to all taxpayers. A duplicate statement will be mailed to your mortgage company if requested by them. If your mortgage company did not request the statement, write your loan number on the statement and send it immediately to the mortgage company.



What happens if I can not pay my taxes by the due date?




If taxes are not paid by January 31^st, penalties and interest will accrue are follows:

IF TAX PAID IN :	ADD					IF TAX PAID IN :	ADD
	PENALTY		INTEREST		TOTAL		PENALTY		INTEREST		TOTAL
FEBRUARY	6%	+	1%	=	7%	MAY	9%	+	4%	=	13%
MARCH	7%	+	2%	=	9%	JUNE	10%	+	5%	=	15%
APRIL	8%	+	3%	=	11%	JULY	12%	+	6%	=	18%

Penalty reaches a 12% maximum and interest will increase 1% each month thereafter.

Personal property and mobile home accounts not paid in full by March 31^st of the year in which they become delinquent will be referred to the delinquent tax attorney for enforced collection, and will incur an additional penalty equal to 15% - 20% of the total taxes, penalties, and interest due.

All real property accounts not paid in full by June 30^th of the year in which they become delinquent will be referred to the delinquent tax attorney for enforced collection, and will incur an additional penalty equal to 15% - 20% of the total taxes, penalties, and interest due.

Who is responsible for paying taxes?State law automatically places a tax lien on property on January 1 of each year to ensure that taxes are paid. The person who owns or acquires a property on or after January 1 of the tax year is personally liable for the tax. A person is not relieved of the obligation because he no longer owns the property. (Sec. 32.07, Texas Property Tax Code).

Have Questions? Call The Texas Property Tax Lending Experts, Tax Loans USA at 800.719.4096 or go to http://www.taxloansusa.com/