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.