Financial Hardship · 2026 Florida Guide
Property debt doesn't have to mean property loss. Whether you are facing an IRS lien, property tax arrears, or a credit judgment, we provide a clear, cash-funded path to settling your debts and recovering your equity.
The 2026 Reality
In Florida, property taxes become delinquent on April 1st. If unpaid by June 1st, the county sells a Tax Certificate. After two years of delinquency, a certificate holder can apply for a Tax Deed Sale, where your home is auctioned to the highest bidder on the courthouse steps.
In 2026, we are seeing interest rates on these certificates hit 18% annually. When you combine this interest with mounting penalties and legal fees, a $5,000 tax bill can quickly balloon into a $15,000 liability that threatens your entire ownership.
The Hardship Solution
Many homeowners believe they cannot sell because they owe the IRS or the county more than they have in the bank. We solve this by coordinating the payoff directly through the title company.
Contrary to popular belief, Florida homestead property is NOT protected from federal tax liens. We coordinate with the IRS to obtain a payoff letter and ensure the debt is satisfied at closing so you can walk away with clear credit.
We settle all delinquent taxes and redeem outstanding tax certificates before they reach the Tax Deed auction phase, preserving your remaining equity before the county takes it.
Credit card judgments and HOA back-dues function as clouds on title. We handle the negotiation and payoff of these items through a professional closing process.
Financial FAQ
Yes. The IRS lien attaches to the proceeds of the sale. We work with the title agent to get a payoff figure and pay the IRS directly from the purchase price at the closing table.
You must act immediately. In most Florida counties, you have until the winning bidder pays the clerk in full to redeem the taxes. Selling to us before the auction is the only way to recover your equity.
Yes. If your home has more equity than the total debt owed, the remaining funds are wired directly to you by the title company on the day of closing.
Stop the Debt Spiral
We review your lien position and provide a straightforward cash option that resolves your debt and protects your financial future.
