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Forfeiture and Foreclosure Timeline

Year of Issue	Delinquency Year	Forfeiture Year	Foreclosure & Beyond
July 1, 2019	March 2020	February 2021	April 1, 2022
Local Treasurer issues summer 2019 tax bill	County buys unpaid 2019 taxes. County Treasurer begins delinquent tax collection (4% admin fee, 1% monthly interest added)	Third notice mailed by certified mail	Foreclosure. Property vests completely to the County Treasurer
September 16, 2019	May 2020	March 2021	August 2022
Summer tax bill is due	County Treasurer mails delinquent tax notices	Property is forfeited to County Treasurer. $175 title search fee added, $60 recording fee added, 1.5% monthly interest, retroactive from previous year.	Tax auction
September 17, 2019	September 2020	June 2021	October 2022
Interest starts on summer tax bill, if not paid	County Treasurer mails delinquent tax notices	County Treasurer files petition of foreclosure to Circuit Court. Personal visit is made to each property to serve notice on occupant	Second tax auction
December 1, 2019	October 2020	By December 15, 2021	December 2022
Local treasurer issues winter 2019 tax bill	$15 fee added	Fourth notice is mailed by certified mail. Notice is published in a county newspaper twice. $10 publication fee added.	Any unsold property is transferred to the city, village, or township. Unsold property not transferred is retained by the County.
February 29, 2020		January 2022
Winter 2019 tax bill is due		Show Cause Hearing with County Treasurer to allow certain limited challenges to the property tax and pending foreclosure.
		February 2022
		Foreclosure hearing at Circuit Court.
		March 31, 2022
		Last day to pay 2019 tax bill. All rights to redemption expire!