Tax/Sewer Collector's Office
Tax Collector’s Office Alert:
Property Tax Reimbursement (Senior Freeze) Information:
Primary Functions of the tax office are:
Forms & Documents
Homeowners who use a lot of water to do outside watering and are interested in the Deduct Meter(2ndMeter) to help reduce their sewer bill charges should contact the Construction Department x 232 for information on installation procedures and the Sewer Department on billing procedures x 230.
TOWNSHIP OF LOPATCONG
2014 Unpaid Taxes & Sewer Utility Taxes
DATE: Wednesday, September 23, 2015
TIME: 10:00 AM
LOCATION: 232 South Third Street Lopatcong Municipal Building
Notice of tax sale will be published in the Star Gazette on September 11, 2015 and September 18, 2015
Contact: Rachellyn Edinger CTC
Tax List Available by sending request to the following:
What is Tax Sale?
Tax sale is the enforcement of collections against a property, by placing a lien against the property for all outstanding municipal charges due at the end of the calendar year (December 31st).
Municipal Charges Include but are not limited to:
Tax Sale Process
Prior to the day of sale; the tax collector has responsibilities set by the State of New Jersey Statute N.J.S.A 54:5
1) All homeowners are notified of pending sale (Tax Sale Notice), and the amount due to stay out of tax sale. Due to changes in the NJ State Tax Sale Law, the tax collector must create the tax sale list 50 days prior to the sale, and all charges on that list together with cost of sale must be paid to stay out of sale.
2) Copies of the tax sale notice must be advertised one time in each of the 4 weeks proceeding the tax sale. This ad does not have to run on the same day every week, just one time in four consecutive weeks.
***Collector can make the decision to mail notices in lieu of advertising for 2 weeks out of the 4.
3)A copy of the published tax sale notice is to be mailed to the homeowner ***Failure to mail the notice, or failure for the homeowner to receive notification does not invalidate any tax sale proceeding.
4) Copies of the notice will be posted in 5 public places in the municipality.
5) The 5th week the Tax Collector may hold the Tax Sale
What Happens at the Tax Sale?
The day of sale, any one that is not the owner of the known property, shall be allowed to bid for a lien against the property.
When the tax sale is held (as specified in the notice of sale), the Collector sells each parcel of land which has been properly advertised (if it is still delinquent) at a public auction. The sale is made in the amount that was advertised or less if a partial payment has been made prior to the sale; but the property cannot be sold for more than the amount it was advertised for.
Prior to the start of the sale, the Collector will require every bidder to fill out a bidder information sheet. This will contain information regarding their address, how he/she
wishes to receive their tax sale certificate, their Federal Tax ID number and the
signature of the person bidding.
Bidding at the sale begins when a potential purchaser (bidder) offers an initial bid (rate of return (interest rate)), usually the maximum bid of 18%. If there is competitive bidding, the rate of the bid goes downward until it reaches 0%. After 0% a bidder may then offer a dollar value; which is known as a premium for the privilege of purchasing the certificate, and can go as high as any one bidder is willing to pay. Therefore the property is sold to the lowest percentage of redemption interest bid, or to the highest premium bid.
**If there are no bidders on a parcel for sale, then the collector must strike it off in the name of the municipality at a redemption interest rate of 18%.
Payment at Sale
Payment is due at the time of sale, if payment is not made before the conclusion of the sale, then the collector must open the property back up to bidding. After every property has been sold, and all payments have been collected the tax sale is adjourned.
After the Tax Sale
Tax Sale Certificates:
After the sale the tax collector will issue tax sale certificates to the proper bidders within 10 days of the close of sale. It is the responsibility of the bidder to record their lien with the county after they receive the certificate.
After the tax sale certificate has been issued the lien holder now has the right to pay any delinquent municipal charges that have not gone to sale. These are known as subsequent payments.
The lien holder has the right any time a payment falls delinquent, to pay the charges due to the municipality. These payments are added to the tax sale certificate.
Redeeming Tax Sale Certificates
Once a lien has been placed on a parcel, the only persons able to redeem that lien are the owner, his/her heirs, the holder or a prior outstanding tax lien certificate, mortgage, or legal occupant of property sold at a tax sale; and may only redeem until the right to redeem has been cut off.
Payment to redeem a lien must be made in full by cash or certified funds, to the tax collector's office. Once the redemption has occurred; the tax collector will notify the lien holder of payment. They will return the original certificate back to the collector endorsed for cancellation. Upon receipt of the cancelled certificate, the redemption funds will be released to the lien holder.
When the collector receives this cancelled certificate they will send it to the party that redeemed the lien. It is their responsibility to have this lien removed from the property at the county office.
If a lien that has been sold to outside bidder is not redeemed within 2 years from the date of sale, that bidder now has the right to begin foreclosure proceedings.
If a lien that has been struck off to the municipality is not paid, the municipality has the right to an In Rem Foreclosure 6 months after the date of sale.
FREQUENTLY ASKED QUESTIONS
When are tax bills mailed?
Tax bills are mailed out once a year late June or early July. New bills are not mailed when there is a change in ownership, you must contact the tax office and request a bill.
When are tax payments due?
Property taxes are billed in Lopatcong on a calendar year, January 1st to December 31st. The first Quarter covers Jan.-March second April-June third July-Sept. and the forth Oct-Dec. Payments are due in the middle of each quarter or February 1st, May 1st, August 1st, November 1st (there is a 10 day grace period, on the 11th day interest is calculated back to the 1st. If the 10th falls on a weekend or legal holiday, you have until the next working day to make payment. We cannot accept postmarks. Failure to receive a tax bill does not exempt you from paying taxes or the interest due on delinquent taxes.
How can I pay my taxes?
Tax payments may be made with check, cash, money order and credit card (Visa & MasterCard). A convenience fee of 3% will be charged by your credit card company. Credit card payments can be made at the tax office or by phone.
Do not mail credit card information to us.
Mail payments to:
Township of Lopatcong
232 South Third Street
Phillipsburg, NJ 08865
For your after hours convenience, we have provided a drop box in front of the Municipal Building between the parking lot and South Third Street.
How can I obtain information on the Tax Sale Process?
Fax your request to (908)859-1839
How do I go about filing an appeal?
All appeal questions should be directed to the Assessor Office (908)859-3355x226.
What if I have a lien on my property and want to pay it off?
You must FAX or EMAIL a Redemption request with the date the payment will be received in the Tax Office. You may receive two Redemption Calculations per Lien per calandar year at no charge, additional Calculation requests will require a $50 fee for processing.
All Lien Redemptions must be paid by Certified check, Cash or Money order.
What if I want to change my mailing address?
A change of address form must be filled out and mailed to the Tax Collector or Tax Assessors Office. The change of address form is available on website.
When will I be billed for any improvements done to my property?
You will be sent a letter from the Assessor after the improvement has been issued a Certificate of Occupancy. The letter will advise you of the additional assessed value due and what year(s) are involved. The new assessment will cause additional bill(s) to be issued. The bill called an added assessment bill will be sent out in October and due November 1st (4th qtr) of the current year and February 1st and May 1st. of the following year. The added bill must be combined together with your original tax bill that was received in June. When the new bills are generated the following June, all taxes will be combined into one bill.
How do I change the name on my deed?
A deed is an official document, recorded at the county level and a new deed has to be recorded to add or delete anyone from the official record of ownership. We recommend that you seek legal assistance from an attorney or title company specializing in property transactions. If you are listed as a Joint Tenant no change is required but is recommended and one needs to bring an original certified copy of the death certificate to the Tax Assessor.
Township Of Lopatcong: 232 South 3rd Street, Phillipsburg, NJ 08865 Tel: (908)-859-3355 Fax: (908)-213-1037
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