Back property taxes in Lafayette? Louisiana 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 Lafayette, Louisiana can spiral fast. Louisiana 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.
Investor purchasers at Lafayette County tax sales typically pay only the back taxes plus fees, leaving any residual property value as profit when the redemption period expires. Lafayette 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.
Income tax debt occasionally gets confused with property tax debt in Lafayette, but they operate independently. Louisiana state income tax liens, federal IRS liens, and Lafayette County property tax liens are three separate exposures that can all attach to the same property. A title search before closing reveals every one of them; BuyHousesInCash clears them all at the settlement table.
Louisiana tax sale calendars are predictable: counties give homeowners 36 months of delinquency before initiating sale procedures, though the exact trigger varies by jurisdiction. Lafayette property owners in Lafayette County receive a series of escalating notices, but most don't realize the certificate gets sold to investors well before any actual loss of title. By then, redemption costs include the investor's interest premium, which compounds monthly.
Tax liens in Louisiana are mostly senior to mortgage liens, which means a tax sale can extinguish the mortgage entirely. Lafayette homeowners who fall behind on property taxes while current on their mortgage occasionally discover their lender paid the taxes and added them to the loan balance — at a punitive rate. Either path destroys equity; selling clears both at closing.
No obligation. We close at a Lafayette County title company.
Call (555) 555-CASHLouisiana 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 Lafayette 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 Louisiana 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 Lafayette tax delinquency choose us.
Even after a tax certificate is sold to an investor, Louisiana 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 Lafayette 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. Louisiana 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 Lafayette 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 Louisiana tax collector (delinquent taxes), then any remaining equity goes to you. We handle multi-creditor closings in Lafayette regularly — it adds about 3-5 days to closing time but isn't a deal-breaker.
Most Louisiana 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 Lafayette 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.
Senior property tax exemptions in Louisiana can reduce or freeze the tax basis for qualifying homeowners over 65 in Lafayette County, but enrollment must happen before the delinquency, not after. Lafayette seniors who missed enrollment cannot retroactively apply it to wipe out arrears. Selling can be the better outcome when retroactive relief isn't available.
Most Lafayette County tax sales use a certificate-auction process where investors bid on the right to collect the delinquency plus interest. The homeowner retains a redemption window (often 1-3 years in Louisiana) during which they can pay off the certificate plus accumulated interest and reclaim clean title. BuyHousesInCash regularly closes during this redemption window, paying the certificate as part of the closing.
Heirs inherit property with tax delinquency in Lafayette more often than families realize. The deceased's last few years often included missed payments, accumulated penalties, and tax sale notices that family members weren't tracking. Lafayette County tax assessor records show that probate-stage tax delinquencies are roughly 20% of all annual tax-sale cases.
Bankruptcy can pause a Louisiana 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. Lafayette homeowners hoping bankruptcy will solve tax arrears usually discover it postpones rather than eliminates the problem.