90 DAY NOTICE OF INTENTION TO SELL TAX AND WATER LIENS

Transcription

1 P ACT NOW TO KEEP YOUR PROPERTY OUT OF THE SALE COPY FOR THIRD PARTIES RELATED TO PROPERTY 90 DAY NOTICE OF INTENTION TO SELL TAX AND WATER LIENS FEBRUARY 10, 2015 PROPERTY ADDRESS BOROUGH BLOCK LOT CASE NO. Departmet of Fiace records show you owe $0 i property taxes, water ad/or sewer ad other property reated charges. These charges are isted beow as ies agaist your property. You must pay or resove this debt by May 14, 2015, or the City wi se the debt to a authorized buyer. If the debt is sod, you wi owe the amout beow pus a 5% surcharge, accrued iterest ad admiistrative fees. Property Tax Lie Amout: $0 (As of MM/DD/YY) Property Reated Charges Lie Amout: $0 (As of MM/DD/YY) Emergecy Repair Charges: $0 (As of MM/DD/YY) DOF Bied Water Lie Amout: $0 (As of MM/DD/YY) Water Board Lie Amout: $0 (As of MM/DD/YY) TOTAL LIEN AMOUNT: $0 To keep your property out of the sae, you must pay the amout due by May 14, 2015 or eter ito a paymet agreemet by May 14, See pages B1 ad B2 for compete detais. ** TEST 02/10/15 10:46 AM ** If you are a seior citize, vetera (or a reative of a vetera), or a perso with a disabiity, you may quaify for a property tax exemptio i future years ad may avoid havig your debt sod. If you are o active miitary duty (or a reative of someoe o active miitary duty) or if you received the circuit breaker credit for tax year 2014, you may aso quaify to be excuded from the sae. Refer to the "Exemptios Eigibiity Checkist" o page B5. Pay today the easy way at yc.gov/payoie. Pease icude this origia coupo with your paymet. Amout due by May 14, 2015 $0 Amout paid: $ Borough, Bock & Lot: Mai paymet to: NYC Departmet of Fiace P.O. Box 680 Newark, NJ

2 PAY ONLINE by Eectroic Fuds Trasfer (Free), E-Check ($2 coveiece fee) or Debit or Credit Card (2.49% coveiece fee) at yc.gov/payoie. PAY IN PERSON by cash, officia bak check, persoa check, or moey order at Fiace Busiess Ceters (ope weekdays from 8:30 AM to 4:30 PM) at the foowig ocatios: Brox Third Aveue - 2d foor Brooky Joraemo Street - 1st foor Mahatta...66 Joh Street - 2d foor Quees th Aveue - 1st foor State Isad St. Marks Pace - 1st foor 90 DAY NOTICE OF INTENTION TO SELL TAX AND WATER LIENS SPECIAL NOTICE FOR RECORD OWNERS AND/OR THE PROPERTY THAT IS THE SUBJECT OF A BANKRUPTCY CASE UNDER TITLE 11 OF THE UNITED STATES CODE (THE "BANKRUPTCY CODE") The iteded sae of a ie as set forth herei is ot a act of coectio. The proposed purchaser of the ies, a Deaware trust (the "Purchaser"), caot, uess authorized by the Bakruptcy Court, take ay act of coectio o a ie durig the time the record ower ad/or the property is the subject of a bakruptcy proceedig as set forth i the Bakruptcy Code (the "Restraied Acts"). The Restraied Acts icude the appicatio of the 5% surcharge, ay statutory iterest rate icreases, otificatio costs, ad ay peaty amouts or ay act to eforce the ies by act of forecosure or other ega meas without first obtaiig appropriate judicia reief. I additio, for properties with a assessed vaue of $250,000 or ess, iterest wi accrue at the rate of 9 percet per aum, compouded daiy. For properties with a assessed vaue of over $250,000, iterest wi accrue at the rate of 18 percet per aum, compouded daiy. Additioay, ay time period which commeces upo the sae of the Bakruptcy Tax Lies sha be toed durig the time the reated property ower is i bakruptcy. The Purchaser wi reserve its rights, upo remova of the record ower ad/or the property from the protectios set forth i the Bakruptcy Code, to take a appropriate ega actios. Borough, Bock & Lot: q By checkig this box, you are statig that you do ot wish to receive future otices regardig the property isted above. If you do ot wish to receive otices for this property, pease detach the coupo ad mai it to: I certify that I do ot wish to cotiue to receive otices regardig the property idicated above by the borough, bock ad ot. Sigature: Date: NYC Departmet of Fiace Tax Lie Uit P.O. Box 1069 Mapewood, NJ 07040

3 x 2015 NOTICE OF INTENTION TO SELL LIENS DO NOT LOSE YOUR HOUSE OR PROPERTY WHAT IS A LIEN SALE? A ie is a ega caim agaist rea property for upaid property taxes, water, sewer or other property charges, icudig the iterest due o the taxes ad charges. The sae is the trasfer of the ie to a authorized buyer. It is ot a sae of the property, but if the taxes ad/or charges are ot paid or resoved, the iehoder ca begi a forecosure proceedig i court. WHAT DOES THIS NOTICE MEAN? It meas that the City's records show that you owe: Property taxes ad accrued iterest to the Departmet of Fiace (Fiace), ad/or Water ad sewer charges ad accrued iterest to the Departmet of Eviromet Protectio (DEP), ad/or Emergecy Repair Program (ERP) or Aterative Eforcemet Program (AEP) charges ad accrued iterest, which are assessed by the Departmet of Housig Preservatio ad Deveopmet (HPD) ad bied by Fiace. WHAT DO YOU NEED TO DO? To prevet the sae of a ie o your property, you must resove your debt by May 14, You may do this by payig the fu amout of your debt, arragig a paymet agreemet or brigig a paymet agreemet i defaut up to date. If you submit a paymet by check ad your check bouces, you may be subject to additioa otices ad your property may be icuded i either the ie sae specified i this otice or a subsequet ie sae. See the foowig two pages for more iformatio. CAN ANYONE BUY LIENS? The City oy ses ies to a sige authorized buyer, ad ot to the geera pubic. Pease do ot cotact us about purchasig ies. HOW TO PAY A paymets must be received by May 14th. PROPERTY TAXES AND RELATED CHARGES WATER / SEWER CHARGES PAY ONLINE by eectroic fuds trasfer, eectroic check, or credit/debit card. Coveiece fees appy to credit/debit card ad eectroic check paymets. Visit Fiace's website at yc.gov/iesae. PAY ONLINE at yc.gov/dep to pay water/sewer charges for free by eectroic fuds trasfer or at yc.gov/payoie to pay by credit/debit card or eectroic check. PAY BY MAIL by May 4th. Make your check or moey order payabe to NYC Departmet of Fiace. Write the property's borough, bock, ad ot umber (which ca be foud i the upper right had corer of the first page of this otice) o the memo ie. Do ot combie ie paymets for NYC Departmet of Fiace with paymets to the NYC Water Board. Pease use separate checks. You may use the same eveope. Aso, state if paymet is for specific charges, e.g., ERP or AEP. Mai to: NYC Departmet of Fiace P.O. Box 680 Newark, NJ PAY IN PERSON - Fiace offices isted o page B2 accept cash, officia bak checks, persoa checks, ad moey orders. For paymets made after May 4th, we recommed usig a officia bak check or moey order to esure timey processig ad to prevet the sae of the ie(s). You do ot have to pay i the borough where the property is ocated. PAY BY PHONE by caig for a free eectroic fuds trasfer. PAY BY MAIL by May 4th. Make your check or moey order payabe to the NYC Water Board. Write your water accout umber o the memo ie ad mai to: NYC Water Board P.O. Box Newark, NJ PAY IN PERSON - DEP offices isted o page B2 accept officia bak checks, persoa checks, ad moey orders. For paymets made after May 4th, we recommed usig a officia bak check or moey order to esure timey processig ad to prevet the sae of the ie(s). You do ot have to pay i the borough where the property is ocated. You may aso pay water/sewer charges at Fiace Busiess Ceters. This otice is aso avaiabe upo request i Begai, Chiese, Haitia Creoe, Korea, Russia, Spaish. Ca 311. Page B1 90-day Notice of Itetio to Se Lies TLS-2015 (90-Day)

4 New Paymet Agreemets - No Dow Paymet PAYMENT AGREEMENTS Paymet agreemets may be avaiabe for properties icuded i the 90-day Lie Sae Notice. No dow paymet is required. Your agreemet ca be as og as te years. For a agreemet with Fiace, you wi be bied quartery, but you may pay mothy if you prefer. For a agreemet with DEP, you wi be bied mothy. As part of the agreemet, you must aso pay ew taxes ad charges o time. You ca keep your property out of the ie sae by sigig a paymet agreemet by May 14, To make a agreemet with DEP for water ad sewer charges, go to ay DEP Borough Office isted beow. You wi eed a govermet-issued photo ID. For more iformatio, ca (718) To make a agreemet with Fiace for Property Tax ad reated charges, begi by dowoadig ad competig the Paymet Agreemet appicatio, avaiabe at yc.gov/iesae. The appicatio icudes istructios o how to proceed. You wi eed a govermet-issued photo ID. If you caot go oie, ca 311. From outside New York City, ca (212) If the property is owed by a corporatio, the idividua that sigs the paymet agreemet must first provide writte proof of power of attorey or that (s)he is a officer of the corporatio. For Property Owers with Paymet Agreemets If you were oticed for the 2011 or 2014 Lie Sae ad siged a paymet agreemet, ad you receive this otice, it meas that the agreemet is ot up to date (required paymets are ot made for six moths). You have uti May 14, 2015 to brig the agreemet up to date, ad you may ot eter ito a ew paymet agreemet. If you have or had a paymet agreemet with either Fiace or DEP prior to beig oticed for the 2011 Lie Sae, ad you receive this otice, it meas that Fiace or DEP records show the required paymets are ot up to date. If you wat to brig your paymets up to date or if you beieve you made the required paymets, pease cotact Fiace or DEP. If you wish to create a ew paymet pa, see the istructios i the previous sectio. CUSTOMER ASSISTANCE Ø FOR PROPERTY TAXES Oie: yc.gov/iesae Emai: taxie@fiace.yc.gov Phoe: Weekdays 9-5 Seior Ombudsma: Weekdays 9-5 I Perso: At Fiace Busiess Ceters A charges ca be paid here. Weekdays 8:30 AM - 4:30 PM Brox Third Aveue - 2d f Brooky Joraemo Street - 1st f Mahatta...66 Joh Street - 2d f Quees th Aveue - 1st f State Isad St. Marks Pace - 1st f Ø FOR EMERGENCY REPAIR & ALTERNATIVE ENFORCEMENT CHARGES Ø FOR WATER & SEWER CHARGES Oie: yc.gov/iesae Phoe: Weekdays 9-6 Saturdays 9-2 I Perso: At DEP Borough Offices - Weekdays 9-5 Brox Arthur Aveue - 6th f Brooky Livigsto Street - 8th f Mahatta Broadway - 8th f Quees Horace Hardig Exp - 1st f State Isad...60 Bay Street - 6th f Ø TO DISPUTE WATER & SEWER CHARGES Oie: yc.gov/iesae Emai: ombuds@dep.yc.gov Phoe: OMBU (6628) Oie: yc.gov/iesae Phoe: Weekdays 9-4 Emai: hpderp@hpd.yc.gov 90-day Notice of Itetio to Se Lies Page B2

5 WHEN THE CITY CAN SELL A LIEN ON A PROPERTY Depedig o your type of property, there ca be as may as four coditios that make your property eigibe for the sae. Use this tabe to uderstad the rues that appy to your property. If the ast coum says "YES" read Note 2 to see how your property coud be excuded from the sae. Type of Property Property Tax Debt Water/Sewer Debt AEP Debt ERP Debt Miimum Amout Years Overdue Miimum Amout Years Overdue Miimum Amout Years Overdue Miimum Amout Years Overdue May Be Excuded (Note 2) 1-Famiy House $1,000 3 (Note 1) N/A N/A N/A N/A YES 2-Famiy House $1,000 3 $2,000 1 N/A N/A N/A N/A YES 3-Famiy - Ower Occupied $1,000 3 $2,000 1 N/A N/A N/A N/A YES 3-Famiy - No-Ower Occupied $1,000 3 $2,000 1 $1,000 1 N/A N/A NO Residetia Codomiium $1,000 3 $1,000 1 $1,000 1 $1,000 1 YES Residetia Cooperative Buidig $1,000 3 $1,000 1 $1,000 1 $1,000 1 NO Vacat Lot Zoed Residetia $1,000 3 N/A N/A $1,000 1 $1,000 1 NO Sma Store or Office with 1 or 2 Apartmets Above Housig Deveopmet Fud Corporatio (HDFC) Reta Buidig *Oy charges posted o or after Ja. 1, 2006, may be icuded. $1,000 3 $2,000 1 $1,000 1 $1,000 1 YES $5,000 2 $5,000 2 $5,000 2 $5,000* 2 NO A other $1,000 1 $1,000 1 $1,000 1 $1,000* 1 NO Note 1: If you ow a 1-famiy house ad oy owe water/sewer charges but ot property taxes, the City may NOT se a ie o your property. Athough the water/sewer debt may ot be sod, DEP may termiate your water/sewer service if charges remai deiquet. Note 2, Excusio Rues: We wi ot se the ies if your property is a 1- to 3-famiy house or a residetia codomiium, if it is ower-occupied ad if you quaify for oe or more of the foowig beefits: Seior Citize Homeowers Exemptio: Homeowers who are age 65 or oder who meet icome requiremets. Disabed Homeowers Exemptio: Peope with disabiities who meet icome requiremets. Certai Vetera Exemptios: If you have a "Od Law" Vetera Exemptio, you are excuded from the ie sae oy if you purchased the property with paymets received as prisoer of war compesatio from the U.S. Govermet. A Vetera Exemptios of the "combat" or "disabiity" beefit type are excuded from the ie sae. If you are ot sure of your beefit type, go to yc.gov/fiace, cick o Property ad uder Oie Toos cick "Your Exemptios ad Abatemets." Those who received the State Rea Property Tax Credit for Homeowers ("Circuit Breaker" credit) i Tax Year 2014 wi aso be excuded. Active miitary duty persoe may request a excusio from the ie sae by competig a affidavit avaiabe at yc.gov/iesae. If you thik you are eigibe for a excusio, fi out the Exemptio Eigibiity Checkist. Page B3 90-day Notice of Itetio to Se Lies

6 ANSWERS TO COMMONLY ASKED QUESTIONS ABOUT THE CITY'S LIEN SALE PROCESS WHAT KINDS OF DEBT ARE SOLD IN A LIEN SALE? Property taxes Sewer or water charges, surcharges Other property-reated fees ad charges, icudig Emergecy Repair Program ad Aterative Eforcemet Program charges Accrued iterest o a taxes ad charges isted above CAN MY LIEN BE SOLD EVEN IF I AM IN THE PROCESS OF DISPUTING THE TAX OR CHARGE? Yes. If you are i the process of cotestig the assessed vaue of your property, or the amout of your other charges, you must pay the taxes ad/or charges i fu or eter ito a paymet agreemet to prevet the sae. If your dispute is successfu, you wi be etited to a refud of ay overpaymets you made. WHAT HAPPENS AFTER A LIEN IS SOLD? Withi 90 days after a ie sae date, the City otifies a property owers by mai of: The terms ad coditios uder which the ie was sod The ame ad address of the ew iehoder The ame of the iehoder's authorized represetative whom the property ower shoud cotact. The represetative wi aso cotact the property ower by mai to discuss paymet arragemets. Whe the City of New York bis your property for ew taxes ad charges, you must cotiue to pay them to the City. Property owers shoud ot dea with, or make paymets to, ayoe other tha the ew iehoder or their authorized represetative amed i the etter set by the City. WHAT ADDITIONAL CHARGES WILL RESULT FROM THE SALE? Oce a ie is sod, the property ower the owes the taxes, charges, ad accrued iterest that were icuded i the ie sae to the ew iehoder, ot to the City. The amout owed icreases oce the ie is sod. The iehoder is etited to charge: A 5% surcharge o the etire ie amout Iterest, compouded daiy ad payabe semi-auay Admiistrative costs associated with the ie sae, icudig a estimated $300 to cover the costs of ay advertisemets ad otices CAN THE NEW LIENHOLDER SELL MY PROPERTY? Yes, but ot at first. Forecosure ca begi withi 1 year after the ie sae date if you have ot paid the ie i fu or etered ito a paymet agreemet with the ew iehoder. However, the iehoder may begi forecosure proceedigs earier tha oe year after the ie sae date if: The semi-aua iterest paymet is ot paid withi 30 days of the paymet due date; or Curret taxes or charges remai upaid for 6 moths before the ie is paid i fu. LEGAL BASIS FOR THE LIEN SALE The sae of the tax ie for cotiued defaut o paymet of the amout due o the property is provided for i sectio of the New York City Admiistrative Code. The aw aso requires Fiace to sed otices 90, 60, 30 ad 10 days prior to the date of the ie sae, ad to sed a Notice of Sod Lie withi 90 days after deivery of the tax ie sae certificate. 90-day Notice of Itetio to Se Lies Page B4

7 Fiace TM Exemptio Eigibiity Checkist This Checkist ca be used oy if your property has bee icuded i the Lie Sae. If ot, ad you wish to appy for persoa exemptios, pease use the Tax Beefits Appicatio for Homeowers, avaiabe at yc.gov/fiace or by caig 311. SENIORS, VETERANS, ACTIVE DUTY MILITARY PERSONNEL AND PEOPLE WITH DISABILITIES Who Ow ad Live i 1- to 3-Famiy Houses or Residetia Codos Our records show that you owe property taxes, water charges, or ERP/AEP charges. If you do ot cotact us by May 14, 2015, the City coud se a ie o your property. If you are a seior citize, perso with a disabiity or vetera (or a reative of a vetera), or if you or a reative is o active miitary duty, you may quaify for a property tax exemptio ad may avoid havig your debt sod. Your property may aso be excuded from the sae if you received the New York State Rea Property Tax Credit for Homeowers (the "Circuit Breaker" credit) for Tax Year PLEASE FILL OUT THE CHECKLIST ON THE REVERSE AND MAIL TODAY! If you may quaify for a exemptio, we wi sed you a ie sae exemptio appicatio. You must compete a ie sae exemptio appicatio to appy for a exemptio that woud remove your property from the ie sae. For questios about property tax exemptios, pease ca 311 (outside New York City ca ). Page B5 Due Date: May 14, 2015 Checkist Lie Sae

8 Exemptio Eigibiity Checkist Istructios 1. Pease fi out the checkist beow. If you check both boxes i Sectio A ad at east oe box i Sectio B, you may quaify for a exemptio. 2. Whe you are doe with the checkist, compete Sectio C ad the retur the Exemptios Eigibiity Checkist to us at the address beow. 3. If we thik you may be eigibe for a seior, disabed homeower or vetera exemptio or meet the "Circuit Breaker" credit or active duty miitary requiremets, we wi sed you a appicatio upo receipt of this checkist. 4. You must compete the exemptio appicatio i order to be cosidered for remova from the ie sae. This checkist is ot a exemptio appicatio. Sectio A By checkig these boxes, I certify that: q My property is a 1- to 3-famiy house or residetia codomiium. q I ow my property ad use it as my primary residece. Sectio B I aso certify that: Sectio C Oe of the owers was bor i 1949 or earier ad the tota combied icome for a owers is ess tha $37,400. Oe of the owers receives disabiity beefits ad the tota combied icome for a owers is ess tha $37,400. Oe of the owers is active duty miitary persoe. Oe of the owers is a vetera or a God Star Paret. I received the New York State Property Tax Credit (the "Circuit Breaker" credit) for Tax Year OWNER S NAME: 2. PHONE NUMBER: ( ) - 3. STREET ADDRESS: 4. CITY: 5. STATE: 6. ZIP CODE: 7. BOROUGH: BLOCK: LOT: 8. ADDRESS (Optioa): Mai to: NYC Departmet of Fiace, Lie Sae Exemptios Uit, 59 Maide Lae, 24th Foor, New York, NY Due Date: May 14, 2015 Page B6