1101 Beach Street, Suite 144 I Flint, Michigan Telephone (810) I Fax (810) geneseecountytreasurer.com

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1 Deborah L. Cherry GENESEE COUNTY OFFICE OF THE TREASURER 1101 Beach Street, Suite 144 I Flint, Michigan Telephone (810) I Fax (810) geneseecountytreasurer.com for 2011 taxes Possible Postponement of Foreclosure Due to Hardship Homestead Properties Only APPOINTMENTS REQUIRED PLEASE CALL (810) GENESEE COUNTY OFFICE OF THE TREASURER 1101 Beach Street, Suite 144 I Flint, Michigan Telephone (810) I Fax (810) geneseecountytreasurer.com

2 2011 LAST DATE TO REDEEM IS MARCH 31, 2014 POSTPONEMENT DUE TO HARDSHIP HOMESTEAD PROPERTIES The Genesee County Treasurer, Deborah L. Cherry has established a Hardship Policy, which allows for the postponement of foreclosure for one year. The policy allows for postponement, for persons undergoing substantial financial hardship (e.g., a person who is receiving any kind of governmental welfare, is low income, has suffered an involuntary reduction in income, or an unavoidable increase in expense.) Genesee County requires that any person applying for the postponement of a tax foreclosure must own, reside, and homestead the property, or be a legal guardian, conservator, or have power of attorney over the owner/resident. Applications will be available at the Genesee County Treasurer s Office starting Monday, January 6, First time applicants must SCHEDULE AN APPOINTMENT to process an application. An additional postponement may be granted if the previous postponement has been resolved. To see if you qualify, bring a completed 2014 application, along with the required paperwork to our office by March 14, 2014 Failure to redeem during this period would result in the title of the property passing to the Genesee County Treasurer. 2

3 APPLICATION INFORMATION REGARDING POSTPONEMENT OF TAX FORECLOSURE SALE OF HOMESTEADS IN GENESEE COUNTY Genesee County requires that any person applying for the postponement of a tax foreclosure sale must own, reside and homestead the property, or be a legal guardian, conservator, or have power of attorney over the owner/resident. The applicant must complete a Petition for Hardship Tax Foreclosure and attach one copy of the following documents: 1. Picture ID of applicant or, if applicable, picture ID of the person whom the applicant is the guardian, conservator, or has power of attorney over with documentation of the existence of the guardianship, conservatorship of power of attorney relationship. 2. A valid mortgage, deed or land contract for the premises. 3. Proof of income (e.g., Federal Income Tax Return, check stub). 4. Proof of the receipt of any needs-based state or federal assistance for any resident receiving the assistance. 5. Two pieces of current personal mail (utility bills will not be accepted). 6. A copy of the most current water/sewer bill. 7. A 10% deposit of the total amount of taxes and interest being postponed will be required upon approval of hardship postponement. Deposit must be made by cash, cashier s check or money order. (Credit or debit cards are also accepted for a small fee.) All Applicants MUST be approved by the Genesee County Treasurer s Office in order for the tax foreclosure sale to be postponed for one year. An applicant may be subject to interview or investigation by the Genesee County Treasurer s Office or its agents for the purposes of verifying information contained in the application. Genesee County Treasurer s Office Hours Monday, Tuesday & Friday: 8:00am - 4:30pm Wednesday & Thursday: 8:00am - 12:00noon (Closed Holidays) 3

4 DEPARTMENT OF HUMAN SERVICES DHS FINANCIAL TWO DISTRICT OFFICES 4809 Clio Road Flint MI (810) S. Saginaw Street Flint MI (810) Visit the closest of the two offices, or office of your current case. Applications are accepted between 8 am 5 pm, Monday thru Friday. For same-day caseworker review, application must be made 8 am 10:30 am, Monday, Tuesday, Thursday, and Friday. No same-day caseworker review Wednesday. In order to determine if you are eligible for assistance: Walk-in basis to complete application Process takes at least minutes There may be assistance through other agencies, but you will be required to first apply for assistance through the SER (State Emergency Relief) program at DHS. Bring documentation to show pending foreclosure Proof of all household income for last 30 days Receipt of last 30 days expenses, outstanding bills Social security numbers or birth certificates of household members Application at DHS should be made before submitting your application to the Genesee County Treasurer s Office. MICHIGAN VETERANS SOLDIER RELIEF FINANCIAL (For War Era Veterans only) 1101 Beach Street Flint MI (810) In order to obtain financial assistance: Walk-in application assistance: 8 am 11 am and 1 pm 3 pm Monday thru Friday 1st step to obtain assistance decision from DHS Military discharge papers Bring documentation to show pending foreclosure Proof of all household income for the last 30 days Receipt of last 30 days expenses, outstanding bills Social Security numbers or birth certificates, marriage licenses of household members METRO COMMUNITY DEVELOPMENT FINANCIAL 503 S. Saginaw, Ste 804 Flint MI (810) (Located in the Mott Foundation Building) Program to assist senior citizen homeowners living in Genesee County in paying property taxes who have become delinquent and have received a property tax deferral from the Treasurer s Office. 5 year low interest loan of 4% to pay delinquent property tax obligations. MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY (MSHDA) MSHDA has funding available in the Helping Hardest Hit Homeowners Fund for homeowners who have suffered a hardship that is preventing them from paying delinquent property taxes. To qualify, homeowners need to: Live in and own the home as a main residence (land contracts do no qualify for program) Have sufficient income to stay in the house and keep up on the property taxes going forward Show that they are behind because of financial hardship Apply directly at MSHDA S website or call

5 2014 PARCEL NUMBER PETITION FOR HARDSHIP TAX FORECLOSURE POSTPONEMENT Name Property Address Phone Number (Home) (Cell) Postponement of the foreclosure will not affect the county s right to foreclose the property at a later date if the delinquent property taxes remain unpaid. Are you currently in bankruptcy? Yes No Date Filed Do you own and reside at the property which is subject to foreclosure? Yes No If yes, attach a copy of your deed, land contract or other proof of ownership and copy of your driver s license, or other photo identification showing that you reside at the property. Did you receive a Homestead Property Tax Credit from the State? (This is a credit received on your State Income Tax Return.) Have you applied for a Poverty Exemption within the last year? Are you, or your spouse, a military veteran? Yes No Yes No Yes No EMPLOYMENT STATUS AND NAME OF EMPLOYER: EMPLOYED EMPLOYER ARE YOU DISABLED? Self Yes No Yes No Full time Part time Spouse Yes No Yes No Full time Part time Nature of Disability CONTINUED ON OTHER SIDE 5

6 2014 Please list the names and ages of the residents in the household and indicate if they are receiving any public assistance (e.g., food stamps). RELATIONSHIP PUBLIC NAME (LAST NAME FIRST) AGE TO HOMEOWNER ASSISTANCE Please describe your financial hardship and plan for paying taxes. Signature Date I swear, under the penalty of perjury, that the above information is truthful and accurate, to the best of my knowledge. 6