Back property taxes in Denver? Colorado can sell your home for unpaid taxes after 36 months of delinquency. We buy houses with tax liens — pay the taxes at closing, give you the difference in cash, save your credit.
Falling behind on property taxes in Denver, Colorado can spiral fast. Colorado counties begin tax sale proceedings after a fixed period of property tax delinquency. BuyHousesInCash buys homes with tax liens, tax delinquency, and even properties scheduled for tax sale. We pay the back taxes from sale proceeds at closing, so you never write a check. You walk away free of the tax burden with cash in hand.
Multiple-year tax delinquency in Denver County compounds: each year's delinquency carries separate interest and penalty schedules. Colorado Denver homeowners with 3+ years delinquent face larger payoff amounts than recent delinquencies. BuyHousesInCash addresses multi-year situations as standard practice.
Bankruptcy can pause a Colorado tax sale via the automatic stay, but only briefly. Property taxes are typically priority unsecured debt in Chapter 13 and survive Chapter 7 discharge entirely. Denver homeowners hoping bankruptcy will solve tax arrears usually discover it postpones rather than eliminates the problem.
Senior property tax exemptions in Colorado can reduce or freeze the tax basis for qualifying homeowners over 65 in Denver County, but enrollment must happen before the delinquency, not after. Denver seniors who missed enrollment cannot retroactively apply it to wipe out arrears. Selling can be the better outcome when retroactive relief isn't available.
Tax-deed states (some Colorado jurisdictions) versus tax-lien states differ in what's auctioned: in tax-lien states, investors buy the lien and accrue interest; in tax-deed states, ownership transfers. Denver County procedure determines redemption rights. BuyHousesInCash resolves both lien and deed situations.
Colorado tax sales in Denver County run on an annual or biannual cycle. Denver properties enter the eligibility pool after the statutory delinquency period. BuyHousesInCash buys before the sale to preserve owner equity beyond what the tax-deed holder would.
Colorado can typically begin tax sale proceedings after 36 months of delinquency. The county or municipality issues a tax certificate to investors, and after a redemption period, the property can be sold at auction. BuyHousesInCash can typically close before tax sale in Denver as long as you contact us before the auction date is finalized.
No. BuyHousesInCash pays all delinquent property taxes, penalties, and interest from the sale proceeds at closing. The title company in Colorado disburses funds to the county tax collector, clears the lien, and the remaining cash goes to you. You write zero checks. This is one of the biggest reasons homeowners with Denver tax delinquency choose us.
Even after a tax certificate is sold to an investor, Colorado provides a redemption period during which you can pay off the certificate plus interest and reclaim your property. BuyHousesInCash can buy your home and redeem the certificate at closing during this window. Don't wait until the redemption period expires — call us as soon as possible.
Yes. Federal IRS tax liens against you personally do attach to Denver real estate. The IRS has procedures (Form 14135) to discharge a property from the lien at closing in exchange for paying the lien amount or a portion. BuyHousesInCash works with title companies experienced in IRS lien discharges. Colorado state tax liens follow similar processes.
The math has to work — sale proceeds need to cover the back taxes plus our offer price. If you have $50,000 in back taxes on a $200,000 Denver home, we have plenty of room. If back taxes are $180,000 on a $200,000 home, the offer becomes minimal. We'll run the numbers transparently and tell you what you'd net before any commitment.
Common scenario. Both get paid off at closing from sale proceeds. The title company disburses to the lender (mortgage payoff) and the Colorado tax collector (delinquent taxes), then any remaining equity goes to you. We handle multi-creditor closings in Denver regularly — it adds about 3-5 days to closing time but isn't a deal-breaker.
Most Colorado counties will postpone or cancel a scheduled tax sale once they receive proof of a pending sale to a buyer who will pay off the delinquent taxes. BuyHousesInCash' title company submits the contract and proof of funds directly to the Denver tax office to halt the sale. We've stopped tax auctions with as little as 5 days notice.
Selling to BuyHousesInCash doesn't directly impact credit. The negative items — late mortgage payments, judgments, the tax lien itself — already affect your credit. Selling clears those liens, which over time helps your credit recover. Compare to a tax sale: losing the home plus continued lien on credit report. The voluntary sale is almost always the better credit outcome.
Colorado requires 36 months of property tax delinquency before tax-sale eligibility in most jurisdictions. Denver County specifics may vary. Check with the tax collector to confirm your exact timeline.
Possibly. Colorado provides a statutory redemption period after most tax sales. Within that period, the original owner can redeem and sell. Outside the period, the tax-deed holder controls the property.
Tax-sale redemptions in Colorado are governed by statute C.R.S. and vary in length from a few months to several years. Denver County's specific redemption period is published on the assessor's website. BuyHousesInCash closes during any redemption window, paying the redemption amount as part of the closing settlement statement.
Colorado property tax bills compound their consequences. The original tax becomes delinquent, then penalty interest, then collection fees, then attorney costs once the county initiates legal proceedings. A Denver homeowner who fell $4,000 behind two years ago typically owes $7,000-$9,000 by the time the tax sale is calendared. Cash sale proceeds pay it all at closing.
Investor purchasers at Denver County tax sales typically pay only the back taxes plus fees, leaving any residual property value as profit when the redemption period expires. Denver homeowners who let this happen lose their entire equity. Selling to BuyHousesInCash before the sale captures that equity for the seller, even if only at 60-75% of after-repair value.
Colorado payment plans for delinquent property taxes exist in some Denver County jurisdictions. Denver homeowners can stop tax-sale acceleration by entering plans; default reactivates the timeline. Plans require monthly capability; not all homeowners qualify.