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Payment Arrangements
Payment Plan
Payment Arrangement
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:
  • 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 make arrangements?
  • 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!

How do I find information to prevent mortgage foreclosure?
  • Foreclosure Prevention assistance is available online for Tennessee residents through the Tennessee Housing Development Agency.