In my Town when taxes are not paid, a petition to foreclose is filed in the Land Court. At the time of the filing the interest is 16% plusb attorney's fees and costs. It takes about 2 years to complete the process. All the City of Boston has to do is to follow what is basically a simple and inexpensive process. To state that it takes a long time is a cop out. If it takes a long time, start early.
Boston does follow that procedure. One need only need go to the registry of deeds where these things are filed.
Searching the publicly available Suffolk Deeds web site shows the city of Boston has filed over 100 Instruments of Taking against the Stamatos family since 2002. And you'll also find the corresponding Release when they pay the taxes during the period the law allows for the owner of the property to pay off the taxes owed.
But whatever, let's just make shit up about how your city takes more action than Boston, when really they both follow exactly the same procedure that is laid out by Massachusetts law.
With rising real estate values, isn't the city pretty much guaranteed to collect the money, plus interest? They put a lien on the property once taxes are a little overdue, and then file a tax foreclosure when they get a lot overdue. Not much point in shaming anyone.
Boston's a small town. It's nice to know who the deadbeats are to protect people from unwittingly doing business with them. How many immigrants got saved from dealing with Jordan Tobins thanks to the media?
My gut feeling is that the majority of the override vote comes from renters who will bitterly complain about an increase in rent when they renew their lease.
... in their business dealings with others.
... in their business dealings with the government.
... in their marital relationships.
... in sports.
... in cards.
I used to work for several towns and cities in Mass. on tax foreclosures.
The really heartbreaking part of these tax foreclosures is when tenants are involved. People pay their rent and do everything the right way, but then the owner doesn't pay taxes, the building gets foreclosed on and prepared for auction, and the tenants get evicted with very little recourse.
Also, in a lot of cases (at least where the delinquency is smaller - probably not these guys!), the mortgage on the property escrows taxes, but for whatever reason, the bank hasn't paid the taxes. If you can find the right person to talk to, they'll usually pay if the value of the property is there (foreclosure also wipes out the mortgage), but they sometimes wait until the very last minute.
If someone just doesn't want to pay, they don't pay. You can't *make* someone pay. Yes, you can start the legal process, and that can take a very long time. Still, people don't pay. Meanwhile, they end up on this list.
I don't understand this "shame" you're talking about.
The law is very clear that it is a taxpayer's responsibility to secure their tax bills if they don't get one and to pay their taxes in a timely manner. Per MGL C. 60, after the end of the fiscal year (on June 30th) and taxes go unpaid, demand notices are sent out and then notice is published (these are done automatically in most towns). Then after that an Instrument of Taking is issued and put on record at the Registry of Deeds giving taxpayers six months to pay their arrearage. Only after that six months can the City move forward in the Land Court to foreclose on its Taking. After a city or town petitions a case, the Land Court has to determine who is entitled to notice via a title exam, and sends out notice. Because tax lien foreclosures can result in full loss of title to a property (even if the outstanding taxes are a fraction of the value of the property), the cases can't move forward until all parties that have any sort of legal interest or encumbrance (mortgage company, lien holders, condo trustees, water district, etc) are notified, and sometimes that means the petitioning party (IE a city or town through its city solicitor or town counsel) searching several dozen heirs or heirs of heirs, if a person dies intestate, or tracing someone who skipped town, etc. As someone who has done work in the Land Court, I know that most cities and towns will usually work with a property owner to resolve a matter (besides the huge liabilities involved, cities and towns don't want to be landlords when they obtain occupied properties, and almost never evict tenants when that does happen -it's just too politically unpopular), and usually only push for a foreclosure judgment if a property is abandoned, a nuisance or vacant land. Not to mention, the Land Court's Recorder (the magistrate who conducts the Tax Session) usually won't allow a Judgment to go through unless it's a last resort, and then the Land Court can still vacate that Judgment for up to a year after it is allowed, if the property owner can demonstrate an ability to pay the lien in full.
Comments
BOSTON REAL ESTATE TAXES
In my Town when taxes are not paid, a petition to foreclose is filed in the Land Court. At the time of the filing the interest is 16% plusb attorney's fees and costs. It takes about 2 years to complete the process. All the City of Boston has to do is to follow what is basically a simple and inexpensive process. To state that it takes a long time is a cop out. If it takes a long time, start early.
Boston does follow that
Boston does follow that procedure. One need only need go to the registry of deeds where these things are filed.
Searching the publicly available Suffolk Deeds web site shows the city of Boston has filed over 100 Instruments of Taking against the Stamatos family since 2002. And you'll also find the corresponding Release when they pay the taxes during the period the law allows for the owner of the property to pay off the taxes owed.
But whatever, let's just make shit up about how your city takes more action than Boston, when really they both follow exactly the same procedure that is laid out by Massachusetts law.
Disgusting
Plain and simple.
Agreed.
I read the article. Someone once said to me the laws are only for the middle class... the poor and the rich just ignore them.
Not many poor people own property in Boston.
.
With rising real estate
With rising real estate values, isn't the city pretty much guaranteed to collect the money, plus interest? They put a lien on the property once taxes are a little overdue, and then file a tax foreclosure when they get a lot overdue. Not much point in shaming anyone.
No, there's a point in shaming people
Boston's a small town. It's nice to know who the deadbeats are to protect people from unwittingly doing business with them. How many immigrants got saved from dealing with Jordan Tobins thanks to the media?
Not only the liens themelves, but interest...
....the city also earns interest on the outstanding balance. The money gets paid, eventually.
Where's the list?
Where's the list?
Here's the entire state database
Happy hunting:
https://wfb.dor.state.ma.us/dorcommon/PublicDisclosure/disclosure.aspx
How many of those property owners in the suburbs...
....voted for Overrides?
My gut feeling is that the
My gut feeling is that the majority of the override vote comes from renters who will bitterly complain about an increase in rent when they renew their lease.
That's the state list
"people owing the Commonwealth more than 25,000"
I'm not thinking that property tax delinquents are going to show on that list.
I hate cheaters
... in their business dealings with others.
... in their business dealings with the government.
... in their marital relationships.
... in sports.
... in cards.
Screw 'em.
I used to work for several
I used to work for several towns and cities in Mass. on tax foreclosures.
The really heartbreaking part of these tax foreclosures is when tenants are involved. People pay their rent and do everything the right way, but then the owner doesn't pay taxes, the building gets foreclosed on and prepared for auction, and the tenants get evicted with very little recourse.
Also, in a lot of cases (at least where the delinquency is smaller - probably not these guys!), the mortgage on the property escrows taxes, but for whatever reason, the bank hasn't paid the taxes. If you can find the right person to talk to, they'll usually pay if the value of the property is there (foreclosure also wipes out the mortgage), but they sometimes wait until the very last minute.
Shame on
The city of Boston for allowing the taxes to fall so far behind in arrears.
Not a whole lotta options
If someone just doesn't want to pay, they don't pay. You can't *make* someone pay. Yes, you can start the legal process, and that can take a very long time. Still, people don't pay. Meanwhile, they end up on this list.
I don't understand this "shame" you're talking about.
Why shame on the City? Shame on delinquent property owners
The law is very clear that it is a taxpayer's responsibility to secure their tax bills if they don't get one and to pay their taxes in a timely manner. Per MGL C. 60, after the end of the fiscal year (on June 30th) and taxes go unpaid, demand notices are sent out and then notice is published (these are done automatically in most towns). Then after that an Instrument of Taking is issued and put on record at the Registry of Deeds giving taxpayers six months to pay their arrearage. Only after that six months can the City move forward in the Land Court to foreclose on its Taking. After a city or town petitions a case, the Land Court has to determine who is entitled to notice via a title exam, and sends out notice. Because tax lien foreclosures can result in full loss of title to a property (even if the outstanding taxes are a fraction of the value of the property), the cases can't move forward until all parties that have any sort of legal interest or encumbrance (mortgage company, lien holders, condo trustees, water district, etc) are notified, and sometimes that means the petitioning party (IE a city or town through its city solicitor or town counsel) searching several dozen heirs or heirs of heirs, if a person dies intestate, or tracing someone who skipped town, etc. As someone who has done work in the Land Court, I know that most cities and towns will usually work with a property owner to resolve a matter (besides the huge liabilities involved, cities and towns don't want to be landlords when they obtain occupied properties, and almost never evict tenants when that does happen -it's just too politically unpopular), and usually only push for a foreclosure judgment if a property is abandoned, a nuisance or vacant land. Not to mention, the Land Court's Recorder (the magistrate who conducts the Tax Session) usually won't allow a Judgment to go through unless it's a last resort, and then the Land Court can still vacate that Judgment for up to a year after it is allowed, if the property owner can demonstrate an ability to pay the lien in full.
the city should...
..hire citizens to deliver subpoenas...I'd camp out a few days to deliver one of those.
unfortunately not listed: the
unfortunately not listed: the huge tax breaks given to "development" of overpriced luxury condos no one wants or can afford
unfortunately, indeed
Uh yeah, that's why they all get sold quickly, to buyers paying cash. Because no one wants them and no one can afford them.