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What to do during a property tax collection lawsuit in Texas

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Are you going through a property tax collection lawsuit in Texas? Property owners in Texas are subjected to some of the highest tax rates in the country, and following the economic and financial uncertainty we experienced last year, it’s no surprise that many people across the state are struggling to afford their expensive property taxes.

When you’re no longer able to pay your property taxes, your tax collector, or their assigned collection law firm, may choose to file a lawsuit against you to collect what you owe. Thousands of people find themselves in this situation year after year, and they aren’t sure what to do.

If your tax collector has filed a lawsuit against you for failure to pay property taxes, here’s what we recommend you do:

  • Stay calm. We understand that receiving a notice from an attorney can make you feel anxious, but receiving a notice doesn’t mean you’re going to lose your home. Most people are contacted in the first instance to inform them that a lawsuit will be filed against them if they don’t act, meaning they still have time to apply for a property tax loan and stop the lawsuit from going forward.
  • Respond. Once the lawsuit has been officially filed with the court, you are legally obligated to respond. We recommend responding as soon as possible, giving yourself a bit of extra time to come up with the funds to pay your property taxes.
  • Do your research. When you hear the word “lawsuit” you probably think of two parties coming together to reach a settlement, but this isn’t how property tax collection lawsuits work. If you’re being sued over unpaid property taxes there is no such thing as a partial settlement or debt forgiveness, and your tax collector will be able to order you to pay the full amount you owe. If you don’t have access to the funds, your home can be foreclosed upon and sold at a public auction. Understanding how a property tax collection lawsuit works will help you navigate the process.
  • Pay your debt as soon as possible. Whether you take out a loan to pay your property taxes or find the money another way, we recommend paying it off as soon as possible to avoid extra fees.

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Partnering with a property tax loan company

When you fall behind on paying your property taxes you’ll also incur expensive penalties, late fees, and other associated costs. These costs can add up very quickly and if you’re not careful, you can easily end up in a financial hole that is very difficult to dig your way out of. Partner with a trusted property tax loan company who can help you get back on track.

A leading tax loan company like American Finance & Investment Company, Inc. (AFIC) will work with you to create a solution that works for your circumstances and your budget. Property tax collection lawsuits can be expensive, frustrating, and often feel never-ending. And in the end you may not get the result you want.

For more information about how AFIC can help you pay your property taxes, or if you have any questions about taking out a loan to pay property taxes, please contact us today. Discover why so many people in Texas partner with us to pay their property taxes. We look forward to hearing from you.


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YOUR TAX OFFICE MAY OFFER DELINQUENT TAX INSTALLMENT PLANS THAT MAY BE LESS COSTLY TO YOU. YOU CAN REQUEST INFORMATION ABOUT THE AVAILABILITY OF THESE PLANS FROM THE TAX OFFICE.

If you are over 64 or disabled, don’t get a property tax loan, contact your tax office about a deferral.

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