All Forum Posts by: Mona Ghai

Hi @Ned Carey and  @Tom Gimer

Thank you for the wise words and guidance. Make sense! Thank you again! 

@ Ned - thanks for additional clarification, appreciate it :-) I will evaluate the time, cost and risk and then act.

PS: let’s see - if I am able to gather more info on the foreclosing process for tax lien, in itself. Will keep researching. 

@Jacob Gray  - well said. But with the interest rate and house market price in Arizona, I wonder if it’s even worth buying at this point in time or just wait a little more and watch! Any thoughts? Thanks! 

@Ned Carey - ok! So I understand the issue is - “title insurance”. I know very little about it. I’ll go educate myself. Let’s see what it entails.

Thank you for your kinds words. Learning isn’t easy anymore. There is so much information out there and cherry picking/where to start is overwhelming as well. Anyways!

Please see my reply in line:

However if you wanted to learn brain surgery you wouldn't start by having your best friend lay down and start cutting into his or her head.
— the tax lien I have is equivalent to dead rat/Skelton. It won’t hurt me if I lose it. I evaluated my risk. I would rather learn, understand the process versus pay attorney fees on something worth little especially when I am just starting. What an attorney brings to the table is knowledge on the subject that can be acquired. And to the knowledge if logic and analysis is applied, one could attempt. That’s what I am trying to do. Gain knowledge and then evaluate if it’s worth it. 

Many many people or entities can have rights in a property that are not recorded in land records. Do you know the rules of service? Do you know the difference between notice and service.
— no, I don’t know. I don’t think it cannot be learned or understood. Any given industry has their own terms, learning the terminology and then intercepting the actual meaning is a learning process. I may not know the jargons but that’s the whole point - DIY helps learn that. When we outsource/hand it over to the attorney, we are under the impression, it’s complicated and could be time consuming. But who knows unless it is uncovered. 

Do you know the difference between actual notice and legal notice? 
— To me, any written document either signed/acknowledged by two parties, is a legal document in the eyes of the law. It could be signed by one person too and witnessed by other(s) or just signed by one person and received by the other. Actual notice - could be verbal and doesn’t hold any value. That’s the simplest one can get. Maybe I am missing something. 

If and when a judge kicks the case back as denied, like is very common in Maryland, would you know wat to do?
- Yes, reapply/reappear if I have solid reason(s) to furnish that I may have missed or not uncovered and probably consult a lawyer if it’s that crucial. Or accept the failure, lesson learned and move on. Failure is part of learning too. 

@Ned Carey @Don Konipol - maybe I should have provided more clarity. The tax lien are for "lot" (empty land) in Pinal County, Arizona. Would it still be that complicated to foreclose without an attorney? Thanks much for taking the time to reply. Appreciated!   

Hi @Ned Carey,
Thanks much for your response. Appreciate the inputs and frank feedback. 

I still think it can’t hurt to try especially when the tax lien amount is not so high. Sometimes, learning is an investment too. I don’t mind losing a little while learning/educating myself. I have to take a chance if I would like to learn or make a mistake. However what’s important is the risk I take in making those mistakes. Is the risk manageable/controllable/will cost me dime or fortune? I have evaluate that. It’ll be worth a lesson if I know of the procedure.

In my humble opinion- laws are simple (unfortunately it is worded with a lot of complexities) only if we understand them with accuracy. 

Plus, I am just trying to gather information. Worse come worse after knowing the procedure, I might drop the idea. At least it will be worth to know the pathway. 

Thanks, Mona 

Hi All,

I'm new to the forum and looking for info on foreclosing a tax lien. I'd like to do it myself if possible. I have 2 tax lien and that are in Pinal county. This will be my first time but I think is doable if I know the procedure and forms/documents to file.  Any help or guidance will be greatly appreciated. Thanks much, Mona