The Offer Genies homeowner library
First find the actual balance and whether collection has reached court. Relief, a freeze and paying delinquent taxes solve different problems.
One useful thing to do first
Keep your documents in a secure folder. Use the steps below at your own pace; a scheduled sale, court date or safety order needs prompt attention.
Use the Trustee's official lookup or call with the parcel number. Ask for each unpaid year, interest and costs, and whether any year is in a lawsuit or scheduled sale. Check a separate city bill if applicable. An old bill or an escrow estimate may not be the amount needed today.
Relief reduces qualifying taxes; a freeze limits eligible future increases while you continue qualifying. Neither is permission to ignore the bill. The current eligibility card links to the program year's rules instead of assuming every older homeowner qualifies.
The Trustee describes regular taxes as payable through the last day of February without interest. The 2026 benefits application and recertification deadline is April 5, 2027. Ask the office for the exact payment instructions and deadline for your bill, especially when a weekend or court case is involved.
Contact the Trustee and Clerk and Master about the exact case, amount and payment method. Get legal help promptly if rights or a sale date are at stake. Do not assume a partial payment or assistance application ends collection; obtain confirmation of what actually resolves the case.
Understand the tradeoffs
Ask about eligibility, total cost, required approvals and what happens if the plan does not work.
The current Davidson page lists an age-65+/qualifying-disability route with 2025 income up to $38,470, plus separate disabled-veteran and surviving-spouse criteria. You must own and occupy the home. Relief is not a loan or lien. Ask the Trustee to screen the full household and ownership situation.
The current Davidson freeze requires ownership and occupancy, age 65+ and 2025 income up to $63,470. Annual requalification matters. A freeze does not erase old debt or automatically freeze every charge forever. Follow the official application and review instructions.
Ask which office is collecting each year and request a current payoff with interest, fees and costs. If a lawsuit or sale exists, contact the Chancery Clerk and Master and get legal help. Do not assume a generic redemption period or partial-payment rule applies to your case.
A closer look
For 2026 relief/freeze, the current application or recertification deadline is April 5, 2027, with taxes paid in full by that program deadline. The ordinary tax-payment deadline is different. Confirm the dates on your actual bill rather than waiting until the benefits deadline to address payment.
Use the current checklist for ID, income, age/disability/veteran records, residence and relevant trust, divorce or power-of-attorney papers. The office may need spouse and co-owner information. Call 615-862-6330 if the checklist does not fit your household.
Reconcile the parcel balance with your escrow statement and servicer records before making a duplicate payment or assuming a bill was paid. Keep receipts, and confirm the account and any court case were resolved.
Get organized
Keep these in your own secure folder. You do not need to upload them here.
Check marks clear when you reload. Print this page to keep a copy.
Words you can use
Please help me check parcel [number]. What do I owe today, by tax year, including costs? Is any year in court or scheduled for sale? Do I qualify for relief or a freeze, and which income documents do you need? What payment and application deadlines apply? Please tell me how I can verify the account is resolved.
Keep the representative’s name, date, reference number and next promised action.
You can contact them yourself
The links throughout this guide support the steps above. These core resources are useful to bookmark.
Metropolitan Trustee
Metropolitan Trustee
Metropolitan Trustee
Davidson County Chancery Clerk and Master
Metro Action Commission
Tennessee Department of Human Services
800-238-1443Your own plan
Write a short plan and keep a record of your calls. Nothing here is saved or sent to Offer Genies. Reloading clears it. Keep account numbers, Social Security numbers and other sensitive details in your own secure records.
My deadline________________________________
Who I will contact________________________________
My next action________________________________
Follow-up date & result needed________________________________
Record what was promised, what you sent, how you sent it, and when you will check back. Keep proof of receipt with your own documents.
Private worksheet · Offer Genies homeowner library · offergenies.com/comprehensive-guide/
Offer Genies is a property acquisition business, not a law firm or government housing agency. This is general educational information, not advice about your particular case. Rules, eligibility and deadlines vary. Contact a qualified Tennessee attorney or HUD-approved housing counselor when your rights or a sale deadline are at stake.
We prioritize the agencies that run the programs: CFPB, HUD, THDA, Tennessee courts and local providers. Where older pages conflict with current notices, the guide identifies the current limitation rather than promising help.
Resources checked October 29, 2026. This guide has not been reviewed by an attorney. Programs and links can change; confirm details with the provider. Published eligibility is a starting point, not an approval.
Found something that needs correcting? Let us know.
Only if you decide selling is right
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