21/05/2026
Five Most Common Questions about Foreclosing on Alabama Tax Lien Certificates:
1. "When can I foreclose on tax lien certificates?" On the fourth anniversary of the earliest sale.
2. "Can I foreclose on my tax year 2022 tax lien certificate?" No. Tax year 2022 certificates were sold in 2023, so add four years to the date of the earliest sale: 2027.
3. "So I need 5 tax lien certificates to foreclose?" No, the number of certificates you hold does not determine when you can file a tax‑lien foreclosure quiet title action in Alabama. The only thing that controls the timeline is the fourth anniversary of the original tax sale. More than a month before that fourth anniversary, we begin the foreclosure process by sending the statutory notices. Around the anniversary date, the county will conduct its own annual sale, which may fall slightly before or after the four‑year mark. After that sale, it can take four to six weeks for the county to issue and deliver the new certificates. Because of that delay, we do not wait for a fifth certificate before filing. The right to file is triggered by the passage of four years from the first sale.
4. "Where do I find the tax sale date?" In the first sentence of the tax lien certificate it states the sale date.
5. "Are you sure I can't foreclose on my 2022 tax sale certificates?" *Sigh*
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