Michigan Back Property Taxes: Get Help Now & Avoid Foreclosure!

Are you a Michigan property owner struggling with delinquent property taxes? The burden of unpaid taxes can quickly escalate with interest and penalties, making it seem impossible to catch up. Many homeowners face this challenging situation, but there is crucial help available. Understanding your options with the county treasurer's office is the first vital step towards resolving this financial stress. Explore various resources and potential payment plans designed to prevent the devastating outcome of foreclosure. This guide offers essential information on how to find the right help with back property taxes Michigan residents need to secure their homes.

Image taken from the YouTube channel 13 ON YOUR SIDE , from the video titled New program helps Michigan homeowners facing tax foreclosure stay in homes .

For many homeowners across Michigan, the specter of back property taxes looms large. This isn't just about unpaid bills; it represents a significant financial challenge that can jeopardize one of life's most fundamental assets: your home.

Whether due to unexpected job loss, medical emergencies, or simply the struggle to keep pace with rising costs, accumulating property tax debt can quickly spiral out of control.

Why Immediate Action is Vital to Prevent Foreclosure

The urgency to address these delinquencies cannot be overstated. In Michigan, the failure to pay property taxes can lead directly to tax foreclosure, a process where your home can be seized and sold by the county.

Michigan's property tax forfeiture and foreclosure process is stringent. Properties that remain delinquent for two years are forfeited to the county treasurer. If these taxes, along with accumulated penalties and fees, are not paid by March 31st of the third year, the property can then be foreclosed upon, meaning you could lose your home entirely.

This harsh reality underscores why swift, informed action is not merely advisable but absolutely vital to protect your property and your family's future.

Overview of Resources Available to Get Help

The good news, however, is that you don't have to face this challenge alone. Comprehensive help is available for Michigan homeowners struggling with back property taxes.

A network of resources exists specifically to guide you through this complex situation and help you protect your home. This includes various financial assistance programs, manageable payment plans, expert counseling services, and even legal aid for those who qualify.

This article aims to be your essential guide, outlining the steps you can take, the organizations that can offer support, and the strategies to navigate property tax delinquency effectively. The path to resolving back property taxes begins with understanding your options and acting decisively.

Michigan homeowners grappling with the critical issue of unpaid property taxes often find themselves at a crossroads, needing to understand precisely what these taxes entail and how quickly they can escalate. Addressing this requires a clear grasp of the journey from a current tax bill to severe delinquency.

Understanding Back Property Taxes and Tax Delinquency in Michigan

For many homeowners, the concept of "back property taxes" can seem abstract until the moment it becomes an urgent reality. In Michigan, these are essentially any property taxes that were not paid by their original due dates, leading to a cascade of accumulating penalties and interest.

What are Back Property Taxes and How They Accumulate?

Back property taxes are simply unpaid property taxes from previous assessment years. When a homeowner fails to pay their local property taxes (which fund schools, municipalities, and county services) by the designated due dates, that unpaid amount doesn't just sit static. Instead, it begins to accumulate rapidly due to:

• Interest: State law dictates that interest accrues on unpaid taxes. This isn't a fixed rate; it can be substantial and compounds over time.
• Penalties: Local treasurers often levy penalties for late payments. These can be a percentage of the unpaid amount, further increasing the debt.
• Administrative Fees: Additional fees may be added for the costs associated with processing delinquent accounts, such as notices and administrative overhead.

These additional charges mean that the total amount owed as "back property taxes" can quickly become significantly higher than the original principal tax amount, making it much harder to pay off over time.

The Progression from Current Property Taxes to Tax Delinquency

Understanding the timeline is crucial for Michigan homeowners. The journey from a current property tax bill to full-blown delinquency follows a strict, legally defined path:

1. Initial Due Dates: Property taxes are typically levied twice a year – summer and winter. Each has its specific due date set by local municipalities.
2. Delinquency: If these taxes are not paid by their due dates, they become delinquent. In Michigan, unpaid real property taxes from the previous year are turned over to the County Treasurer for collection on March 1st of the following year. At this point, additional interest and fees mandated by state law are added.
3. Forfeiture: If the delinquent taxes remain unpaid for one full year after they were turned over to the County Treasurer (i.e., by March 1st of the second year of delinquency), the property officially becomes forfeited to the County Treasurer. This doesn't mean the county owns it yet, but it significantly advances the process towards foreclosure. More fees and interest continue to accrue.
4. Foreclosure: If the forfeited property taxes remain unpaid by March 1st of the third year of delinquency, the County Treasurer can petition the Circuit Court for a judgment of foreclosure. This is the final and most severe stage.

The Severe Consequences: Leading to Foreclosure for Homeowners

The ultimate consequence of unpaid property taxes in Michigan is the loss of your home through foreclosure. Once a Circuit Court grants a judgment of foreclosure, the homeowner's right to redeem the property (pay off the taxes) is terminated, and ownership is transferred to the County Treasurer.

This process is irreversible, leading to:

• Loss of Home and Equity: You lose your property, along with all the equity you've built over years of mortgage payments and property value appreciation.
• Eviction: You will be required to vacate the property, often through a formal eviction process initiated by the new owner (usually the County Treasurer).
• Damaged Credit: While the direct impact on credit scores from tax delinquency isn't as immediate as a mortgage foreclosure, having a property foreclosed due to unpaid taxes can still indirectly harm your financial standing and future ability to secure housing or loans.

The threat of foreclosure is a stark reminder of the serious nature of accumulating back property taxes. Understanding this progression is the first step toward seeking timely and effective assistance.

Understanding the serious implications of accumulating back property taxes and the progression to tax delinquency is crucial for Michigan homeowners. Once you grasp the gravity of this situation, the next critical step is knowing precisely who to turn to for assistance and accurate information. In Michigan, this central authority, and your primary point of contact, is your local County Treasurer.

The Pivotal Role of County Treasurers (Michigan)

When facing property tax challenges in Michigan, your local County Treasurer's office is an indispensable resource. Unlike other municipal or state departments, the County Treasurer is specifically empowered by Michigan law to manage property tax administration at the county level, particularly once taxes become delinquent. They are your direct link to understanding and potentially resolving your tax debt.

Why Your Local County Treasurer is the First Point of Contact

While your city, township, or village treasurer typically collects current property taxes, the responsibility shifts dramatically when those taxes become past due. As of March 1st following the year they were due, unpaid property taxes are transferred to the County Treasurer for collection. This makes them the definitive authority on your specific tax obligations once delinquency sets in.

They are equipped with direct access to your property's detailed tax history, including all accumulated principal, interest, and penalties. This immediate and comprehensive data allows them to provide the most accurate assessment of your situation, making them the most efficient and effective resource for homeowners seeking clarity and solutions.

Their Role in Collecting Property Taxes and Managing Tax Delinquency

The County Treasurer's responsibilities extend far beyond simply collecting delinquent taxes. Their office plays a multi-faceted role in the entire property tax ecosystem:

• Delinquency Management: They are responsible for administering the statutory process for collecting overdue property taxes, including issuing notices of delinquency and forfeiture. For instance, if taxes remain unpaid, the property will typically be forfeited to the County Treasurer on March 1st of the second year of delinquency.
• Payment Plans: Many County Treasurers offer structured payment agreements or plans designed to help homeowners pay off their delinquent taxes over time, preventing further escalation of debt and avoiding foreclosure. These plans are often customized to an individual's financial situation.
• Foreclosure Prevention: A significant aspect of their role is working with homeowners to prevent properties from advancing to the final stage of foreclosure, which can occur after approximately two years of continuous delinquency (e.g., if 2022 taxes remain unpaid by March 1, 2025, the property could face foreclosure). They strive to provide options and guidance before this irreversible step is taken.

How They Can Provide Information on Your Specific Tax Situation and Options

The true value of contacting your County Treasurer lies in their ability to offer personalized assistance. Because they manage your specific parcel's tax records, they can:

• Detail Your Exact Debt: Provide a precise breakdown of your outstanding balance, including the original tax amount, accrued interest, and penalties. This clarity is essential for understanding what you owe.
• Explain Legal Status: Inform you about the current legal status of your property regarding delinquency, forfeiture, or impending foreclosure deadlines. Understanding these timelines is critical.
• Discuss Available Options: Walk you through all potential avenues for resolution, such as payment plans, redemption options, or other assistance programs that might be available through their office or partnerships. They can explain the terms and conditions of these options, helping you choose the best path forward.

There are 83 County Treasurers across Michigan, and each office is dedicated to assisting property owners within their jurisdiction. Reaching out proactively to your local County Treasurer is the most effective first step for any homeowner facing back property taxes, offering a direct route to understanding and addressing your financial obligations.

The previous section highlighted the critical role your County Treasurer plays in managing Michigan property taxes and how they are your primary resource. While they are there to help, the impetus for action now falls squarely on your shoulders. Understanding who to contact is the first step; knowing what to do next is paramount.

Immediate Steps for Homeowners to Take

When faced with the daunting reality of back property taxes, prompt and decisive action is not just advised—it's absolutely essential. Ignoring the problem will only lead to more severe consequences, potentially escalating to the loss of your home.

Do Not Ignore Notices About Back Property Taxes

Perhaps the most critical piece of advice is also the simplest: do not ignore any official notices pertaining to your property taxes. These notices are not mere reminders; they are legal communications outlining your delinquency status and the potential next steps your county may take. In Michigan, the process for tax foreclosure is serious, and failing to acknowledge these warnings can quickly lead to your property being foreclosed upon and sold, typically after a two-year delinquency period, though the exact timeline can vary by specific circumstances and county procedures.

Open and thoroughly read every piece of mail you receive from your County Treasurer or the local assessing office. These documents contain vital information, including the amount owed, deadlines, and contact details. Burying your head in the sand will not make the problem disappear; it will only reduce your options and available time to resolve the issue.

Proactively Contact Your County Treasurer (Michigan)

Once you've absorbed the content of the notices, the very next step is to proactively contact your County Treasurer. This cannot be stressed enough. Do not wait for them to call you, and certainly do not wait until the last minute before a critical deadline. Reaching out early demonstrates your willingness to address the issue and can open doors to solutions that might not be available later.

Your County Treasurer's office is equipped to provide personalized information about your specific tax situation. They can clarify the exact amount owed, explain the fees and interest that have accrued, and, most importantly, discuss the various avenues available to you for repayment or assistance. Find their contact information on the official website for your county, and prepare to have a detailed conversation. Many offices prefer phone calls for initial inquiries, but be prepared to follow up in writing if necessary.

Gather All Relevant Financial Information Before Reaching Out

To make your conversation with the County Treasurer as productive as possible, it is crucial to gather all relevant financial information before you make contact. Think of this as preparing your case; the more prepared you are, the better they can assist you.

Before your call or visit, compile the following documents and information:

• All tax notices you have received concerning your property. These will contain your property identification number and the precise amounts owed.
• Proof of income, such as recent pay stubs, W-2s, or tax returns (typically the last two years). This helps assess your ability to pay.
• Proof of expenses, including utility bills, mortgage statements, and other significant monthly outgoings. This provides a clearer picture of your financial strain.
• Any documentation related to financial hardship, such as medical bills, unemployment notices, or evidence of a sudden loss of income.

Having this information readily available will enable the Treasurer's office to accurately assess your situation, understand the scope of your delinquency, and discuss potential payment plans or eligibility for tax assistance programs more effectively.

Having taken the crucial first steps of acknowledging the issue and initiating contact with your County Treasurer, the next phase involves exploring the practical solutions available. This section delves into the various payment plan options and introduces essential state-level and local tax assistance programs, including the critical oversight role of the Michigan Department of Treasury, all designed to alleviate financial burdens and prevent foreclosure.

Exploring Solutions: Payment Plans and Tax Assistance Programs

Once you've made contact with your County Treasurer and gathered your financial documents, the immediate goal shifts from simply responding to notices to actively engaging with solutions. Michigan offers several avenues for homeowners to address delinquent property taxes, ranging from structured payment arrangements to targeted financial assistance programs.

Payment Plans Through Your County Treasurer

For many homeowners facing back property taxes, a structured payment plan is the most common and accessible solution. Your County Treasurer is the primary point of contact for establishing such an agreement.

• How They Work: A payment plan is an agreement between you and the County Treasurer's office to pay your delinquent property taxes over a set period, typically through monthly installments. These plans are designed to help you manage the debt without facing immediate foreclosure.
• Application and Qualification: To apply, you'll generally need to work directly with your County Treasurer. While specific terms can vary by county, most plans require an initial down payment and then regular, scheduled payments. Eligibility often depends on factors like the total amount of taxes owed, how long they've been delinquent, and your ability to make consistent payments. It's crucial to understand all terms, including any interest or penalties that may still accrue. Adhering strictly to the payment schedule is paramount to avoid default and potential foreclosure.

State-Level and Local Tax Assistance Programs

Beyond direct payment plans, several programs exist to provide broader financial relief for Michigan homeowners struggling with property taxes due to hardship.

• Michigan Poverty Exemption: This is a vital local program available to low-income homeowners. If you meet specific income and asset guidelines set by your local assessing unit (city or township), you may qualify for a full or partial exemption from property taxes. You apply for this exemption through your local assessor's office or Board of Review, not the County Treasurer. This exemption can significantly reduce your current and future tax burdens and, in some cases, may even influence resolutions for past due amounts.
• Michigan Homeowner Assistance Fund (MIHAF): Historically, programs like the Michigan Homeowner Assistance Fund (MIHAF), administered by the Michigan State Housing Development Authority (MSHDA) under the oversight of the Michigan Department of Treasury, have provided significant relief. These programs, often funded by federal initiatives, offered financial aid for delinquent property taxes, mortgage payments, and utility costs for homeowners impacted by events such as the COVID-19 pandemic. While application periods for specific funds like MIHAF may close, similar homeowner assistance initiatives may emerge, so it's wise to inquire about current availability.

The Role of the Michigan Department of Treasury

The Michigan Department of Treasury plays a crucial role in the state's property tax system, overseeing various aspects and providing resources to both county treasurers and homeowners.

While county treasurers handle direct collection and payment plans, the Department of Treasury is responsible for:

• Program Oversight: They set guidelines and provide oversight for statewide property tax administration, ensuring consistency and compliance across all 83 counties.
• Resource Development: The Department offers valuable information and guidance on property tax relief options, including details on programs like the Poverty Exemption and directing homeowners to other available state or federal assistance programs.
• Policy and Support: They develop policies that affect property tax collection and offer support to county treasurers, including training and resources to help them assist homeowners effectively. Their website is a valuable resource for understanding the broader landscape of Michigan's property tax laws and assistance programs.

Even with a grasp on available payment plans and tax assistance programs, navigating the complexities of property tax issues can feel overwhelming. Sometimes, the most effective step is to seek expert advice. Professional guidance from certified housing counselors and legal aid services can provide invaluable support, helping homeowners understand their options, manage finances, and protect their rights against foreclosure.

Seeking Professional Guidance: Housing Counselors and Legal Aid

Recognizing that property tax issues can be complex and intimidating, this section highlights the critical importance of professional support. It explains how certified housing counselors can offer invaluable financial guidance and how legal aid services can protect homeowners' rights in challenging situations, also connecting them to helpful non-profit organizations dedicated to preventing foreclosure.

Housing Counselors: Your Financial Navigators

Certified housing counselors are a vital resource for homeowners struggling with financial hardship, particularly when facing the threat of foreclosure. These professionals, often affiliated with non-profit organizations and approved by the U.S. Department of Housing and Urban Development (HUD), offer confidential, one-on-one guidance tailored to your specific situation.

They can help you:

• Assess your financial situation: Counselors work with you to analyze your income, expenses, and debts, helping you create a realistic budget that addresses your tax obligations.
• Understand your options: They explain different foreclosure prevention strategies, including payment plans, loan modifications, and state or local tax assistance programs, helping you determine which solutions are most suitable for your circumstances.
• Communicate with creditors: Housing counselors can act as an intermediary between you and the County Treasurer (Michigan) or other lenders, helping to negotiate payment arrangements or understand complex processes.
• Develop an action plan: They assist in creating a step-by-step plan to address your tax delinquency, offering ongoing support as you work towards resolving the issue and avoiding foreclosure.

Seeking advice from a HUD-approved housing counselor early can significantly improve your chances of avoiding foreclosure and achieving long-term financial stability.

Legal Aid: Protecting Your Homeowner Rights

In situations that involve complex legal questions, potential disputes, or court proceedings, legal aid services become indispensable. Homeowners facing property tax foreclosure may encounter various legal challenges, from incorrect tax assessments to questions about their rights during the redemption period.

Legal aid attorneys and advocates specialize in housing law and can provide:

• Expert legal advice: They can clarify your legal position, explain the specific laws governing property tax foreclosure in Michigan, and inform you of your rights as a homeowner.
• Representation: If necessary, legal aid can represent you in negotiations with the County Treasurer (Michigan), during administrative hearings, or in court to challenge an unlawful foreclosure or assert your homeowner rights.
• Protection against predatory practices: They can help identify and challenge unfair or illegal practices by lenders or tax authorities that might put your home at risk.

For many low-income homeowners, legal aid offers a crucial pathway to justice and a defense against losing their home due to circumstances beyond their control or a lack of understanding of complex legal procedures. These services are often provided at no cost or on a sliding scale, ensuring access to vital legal protection.

Connecting with Non-profit Organizations

Access to these essential professional services is often facilitated through a robust network of dedicated non-profit organizations. These groups are committed to helping homeowners navigate financial difficulties and prevent foreclosure through direct services and community support.

Many non-profit organizations offer:

• Free or low-cost counseling: Many HUD-approved housing counseling agencies operate as non-profits, making their services accessible to individuals across all income levels.
• Pro bono or sliding-scale legal services: Legal aid societies and other public interest law firms function as non-profits, specifically aiming to provide legal assistance to those who cannot afford private counsel.
• Community resources: Beyond direct counseling and legal help, these organizations often connect homeowners with other valuable community resources, such as emergency financial assistance programs, utility bill aid, or job placement services.

To find reputable assistance, start by searching online for "HUD-approved housing counseling agencies Michigan" or "legal aid services Michigan." Organizations like the Michigan Legal Services or local United Way chapters can often provide referrals to trusted providers in your area. Accessing these invaluable services can be a proactive and empowering step toward securing your home and financial future.

After understanding your options and seeking professional guidance, it’s crucial to grasp the specific journey your property might take when facing tax delinquency. In Michigan, the process for properties with unpaid taxes is distinct, and knowing its steps is vital for a proactive response.

Navigating the Foreclosure Process and Redemption Period in Michigan

When property taxes go unpaid in Michigan, a structured, multi-year process unfolds that can ultimately lead to the loss of your home. Understanding this timeline and, critically, the "redemption period," is your last line of defense against permanent property loss.

The Michigan Tax Foreclosure Timeline

Michigan's process for foreclosing on properties due to unpaid taxes is governed by specific state laws, designed to give homeowners ample opportunity to catch up before forfeiture. However, each year of delinquency brings you closer to permanent loss.

Year One: Delinquency Begins

• Property taxes are due to your local city or township treasurer, typically by December 1st.
• If unpaid, they become delinquent on March 1st of the following year. At this point, additional penalties and interest begin to accrue.

Year Two: County Treasurer Involvement

• On March 1st of the second year of delinquency, unpaid taxes are turned over to the County Treasurer for collection.
• The County Treasurer's office will send multiple notices (via first-class and certified mail) to the property owner, informing them of the delinquent status and the accumulating charges. These notices are a crucial alert to take action.

Year Three: Foreclosure Year and Court Action

• This is the critical year. On March 1st of the third year of delinquency, the County Treasurer files a petition for foreclosure with the circuit court. This initiates formal legal proceedings.
• A court hearing is scheduled, typically around February or March, where a judge will review the petition. If the taxes remain unpaid, the court will enter a judgment of foreclosure, legally transferring the property's title to the County Treasurer.

Understanding the Critical Redemption Period

The "redemption period" in Michigan's tax foreclosure context refers to a vital window before the court's final judgment and the irreversible transfer of your property's title.

• What it is: This is your final opportunity to pay all outstanding delinquent property taxes, along with accumulated interest, penalties, and administrative fees. Successfully doing so "redeems" your property, meaning you reclaim full ownership and avoid foreclosure.
• How long it lasts: For properties in the foreclosure process, this period typically extends until the last business day of March in the third year of delinquency (the same year the court enters its judgment). For example, if your 2021 taxes are delinquent, they would enter the foreclosure process in early 2024, and the redemption deadline would be the last business day of March 2024.
• What it allows homeowners to do: During this specific window, you have the legal right to settle your debt in full. This is not a post-foreclosure redemption period; once the March deadline passes and the court's judgment is entered, the County Treasurer gains absolute title to the property.

The Urgency of Action

The importance of taking decisive action during this redemption period cannot be overstated. Unlike some mortgage foreclosures, Michigan's tax foreclosure process provides no opportunity to redeem the property after the court's judgment is entered and the title is transferred to the County Treasurer. Once the deadline passes and the judgment is finalized, the property is permanently lost.

Therefore, if you receive foreclosure notices, it's a dire signal that immediate and decisive action is required to protect your home. This is the last chance to prevent irreversible loss through payment.

While addressing an immediate property tax crisis is crucial for saving your home, true security comes from establishing long-term financial stability. Once you've navigated the immediate challenges of the redemption period, the next vital step is to implement strategies that prevent future tax delinquency and safeguard your property for years to come. This proactive approach ensures your peace of mind and the lasting stability of your homeownership.

Preventing Future Tax Delinquency and Ensuring Property Stability

Strategies for Budgeting and Paying Property Taxes on Time

Effective budgeting is the cornerstone of avoiding future property tax issues. In Michigan, property taxes are typically collected twice a year, with summer and winter tax bills. While exact due dates vary by municipality, summer taxes are often due around July 1st, and winter taxes by December 1st or February 14th of the following year. However, always verify specific dates with your local treasurer's office.

To ensure timely payments, consider these strategies:

• Create a Dedicated Savings Plan: Set aside a portion of your income each month specifically for property taxes. Divide your annual tax bill by 12 to determine the monthly amount you need to save. Deposit this into a separate, interest-bearing savings account, or even consider a high-yield savings account if available.
• Utilize Escrow Accounts: If you have a mortgage, your lender likely manages an escrow account where a portion of your monthly payment is set aside for property taxes and insurance. This simplifies the process by integrating tax payments into your regular mortgage payment. If you don't have an escrow account, inquire with your lender if this is an option.
• Set Up Reminders: Mark tax due dates on your calendar, set digital reminders, or sign up for email notifications from your local treasurer's office if they offer them.
• Explore Payment Plans: Some local treasurers offer payment plans or allow partial payments. While these might not always be formal, it's worth inquiring if you anticipate a temporary challenge. However, relying on these should be a last resort, not a primary strategy.

Staying Informed About Potential Changes in Property Taxes in Michigan

Property taxes in Michigan are not static; they can change due to several factors. Staying informed about these potential shifts is vital for accurate budgeting and avoiding surprises.

Key factors influencing your property taxes include:

• Property Assessments: Your local assessor determines your property's assessed value, which is 50% of its true cash value. This can change annually based on market conditions, home improvements, or reassessments.
• Millage Rates: These are the tax rates applied to your property's taxable value, set by local units of government (cities, townships, counties, school districts, etc.). Millage rates can increase or decrease due to voter-approved ballot proposals (e.g., school operating millages, library millages) or Headlee Amendment rollbacks.
• Proposal A (1994): This crucial Michigan law caps the annual increase in your property's taxable value (the value upon which your taxes are calculated) to the rate of inflation or 5%, whichever is less, as long as there is no transfer of ownership. Understanding this cap is key, as your taxable value may be significantly lower than your assessed value.

To stay informed:

• Review Your Annual Assessment Notice: You will receive a notice each year detailing your property's assessed and taxable value. Review this carefully for any changes and understand your right to appeal if you believe the assessment is incorrect.
• Monitor Local Government Websites and Notices: Your city, township, county, and school district websites are excellent sources for information on budget changes, proposed millage rates, and upcoming ballot proposals.
• Attend Public Meetings: Engaging with local government by attending board meetings (city council, township board, school board) can provide direct insight into financial decisions that impact your taxes.
• Follow Local News: Local newspapers and news websites often report on property tax changes, proposed millages, and community financial issues.

Utilizing Ongoing Support for Long-Term Financial Stability

Even with the best intentions, managing household finances and navigating complex tax systems can be challenging. Fortunately, Michigan homeowners have access to ongoing support that can provide invaluable guidance for long-term financial stability.

• HUD-Approved Housing Counseling Agencies: The U.S. Department of Housing and Urban Development (HUD) certifies non-profit housing counseling agencies across Michigan. These agencies offer free or low-cost services, including:
  • Budgeting and Financial Management: Developing personalized budgets, managing debt, and improving credit.
  • Foreclosure Prevention: Even if you've overcome a tax foreclosure, these agencies can help identify and mitigate future risks.
  • Understanding Homeownership Responsibilities: Providing education on property taxes, insurance, and home maintenance.
  • You can find a list of HUD-approved agencies on HUD's website.
• Local Non-profit Organizations and Community Action Agencies: Many community-based non-profits and county-level community action agencies offer a range of financial literacy programs, assistance with accessing benefits, and general support services. These organizations often have a deep understanding of local resources and challenges.
• County Treasurer's Offices: While their primary role is tax collection, many county treasurers in Michigan also offer outreach programs, financial literacy resources, and information on payment assistance programs available in their specific county. Don't hesitate to reach out to them for guidance or referrals.

Leveraging these resources provides a safety net and empowers you with the knowledge and tools needed to maintain financial well-being, ensuring that your property remains a stable and secure asset for years to come.

Video: Michigan Back Property Taxes: Get Help Now & Avoid Foreclosure!

Play Video

Navigating delinquent property taxes can be stressful, but remember, you don't have to face it alone. Taking action now is key to protecting your home. Hopefully, this guide has offered valuable insights and practical steps to find the help with back property taxes Michigan residents deserve.