A Payment Plan may be arranged for delinquent taxes. Upon approval, the Payment Plan allows a taxpayer to make regularly scheduled payments toward delinquent taxes. A Payment Plan may reduce the risk of losing the property in a tax sale, as long as the plan agreement is upheld by the taxpayer. All other collection activity, such as lawsuit fees and interest/penalty, will continue until taxes are paid in full.
Do I Qualify?
In order to qualify for a Payment Plan to repay delinquent taxes, the following
conditions must be met:
How do I make arrangements?
- The property must be scheduled for a current tax sale.
- The property must be the taxpayer's primary residence (proof of ownership or heir ship may be required).
- All delinquent years owed on a parcel must be included in the plan.
- A minimum down payment in certified funds is due at the time the agreement is signed. The payment will be based on:
- The oldest delinquent tax year; or
- 10% of the total taxes due, whichever is greater
- Monthly payment amounts will be set by the Trustee’s office based on remaining taxes due after the down payment and the plan may not exceed a 24-month period.
- Monthly payments are due on or before the 20th of every month.
- Participation in a financial workshop held by the Shelby County Trustee is highly recommended prior to the execution of the agreement. See current schedule of Financial Workshops on website calendar.
How do I find information to prevent mortgage foreclosure?
- Complete the Payment Plan Request Form and a representative will contact you.
- Contact the Shelby County Trustee’s Tax Sale Department at (901) 222-0200.
- Create an automatic payment schedule for recurring payments - Enroll Today!
- Foreclosure Prevention assistance is available online for Tennessee residents through the Tennessee Housing Development Agency.