Welcome to Tax Lien Certificate School (“Company,” “we,” or “us”). By accessing or using our website, services, or products (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please do not use our Services.
These Terms govern your use of our website, materials, courses, and any other offerings provided by Tax Lien Certificate School. Please read them carefully.
1.1 Eligibility
By using the Services, you represent that you are at least 18 years old and have the legal capacity to enter into a binding agreement.
1.2 License
We grant you a limited, non-exclusive, non-transferable license to access and use the Services for personal or internal business purposes only.
1.3 Prohibited Conduct
You agree not to:
2.1 Fees
All payments for our Services must be made in full at the time of purchase unless otherwise stated.
2.2 Refund Policy
Refunds are governed by the terms outlined in our Refund Policy at [link]. Refunds are not available for:
2.3 Unauthorized Transactions
You are responsible for keeping your account information secure. We are not liable for unauthorized access to your account due to your failure to safeguard your credentials.
All content on the website, including text, graphics, logos, videos, and other materials, is owned by Tax Lien Certificate School or licensed to us. You may not use, copy, or distribute this content without explicit permission.
Our Services are provided for educational purposes only. We make no guarantees about your success, earnings, or outcomes from using the Services. Results depend on factors such as effort, skill, and market conditions.
The Services are provided “as is” and “as available” without warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or reliability of the Services.
To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
To the maximum extent permitted by law:
Summary: If we ever have a dispute, we agree to resolve it through arbitration instead of going to court, and you agree not to participate in a class action lawsuit against us.
7.1 Arbitration Agreement
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Services will be resolved exclusively through binding arbitration conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
To initiate arbitration, you must provide written notice to us at the address below, including the nature of the claim, your contact information, and the relief sought.
7.2 Class Action Waiver
You agree to resolve disputes individually and waive any right to participate in class actions, class arbitrations, or other representative proceedings.
7.3 Governing Law and Arbitration Location
These Terms will be governed by the laws of the State of Wyoming, without regard to conflict of law principles. Arbitration will take place in Cheyenne, Wyoming or another mutually agreed-upon location.
You agree to indemnify, defend, and hold harmless Tax Lien Certificate School, its affiliates, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of your violation of these Terms or misuse of the Services.
We reserve the right to terminate or suspend your access to the Services at our sole discretion, without notice, for conduct we believe violates these Terms or is harmful to us or other users. Upon termination, you forfeit access to all purchased materials and any rights to refunds.
If we make significant changes to these Terms, we will notify you by email or provide a prominent notice on our website. Changes will be posted on this page, and the effective date at the top will be updated.
11.1 Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
11.2 No Waiver
Our failure to enforce any provision does not constitute a waiver of that provision or any other provision.
11.3 Entire Agreement
These Terms, along with our Privacy Policy, constitute the entire agreement between you and Tax Lien Certificate School regarding the Services.
If you have any questions about these Terms, please contact us:
Adams County sits in northeast Indiana. The county seat is Decatur. The county r
Knox County sits in southwest Indiana. Vincennes serves as the county seat. The
Lawrence County sits in south central Indiana. Bedford serves as the county seat
Putnam County sits in west central Indiana, with Greencastle as the county seat.
Huntington County sits in northeast Indiana, near Fort Wayne and the Wabash Rive
Cass County sits in north central Indiana. Logansport serves as the county seat.
Montgomery County sits in west central Indiana. Crawfordsville serves as the cou
Harrison County sits in southern Indiana, with Corydon as the county seat. This
LaGrange County sits in northern Indiana, near Shipshewana, Howe, Topeka, and th
Columbia County sits in northwest Oregon near Portland, the Columbia River, and
Dubois County sits in southern Indiana. Jasper serves as the county seat. The co
Coos County sits on the southern Oregon Coast. It includes Coos Bay, North Bend,
Klamath County sits in south central Oregon. It is known for Crater Lake Nationa
Umatilla County sits in northeast Oregon. It includes Pendleton, Hermiston, Milt
DeKalb County sits in northeast Indiana. Auburn is the county seat. This guide e
Josephine County sits in southwest Oregon. Grants Pass is the county seat. The a
Polk County sits in Oregon’s Willamette Valley, near Salem, Dallas, Monmouth, In
Shelby County sits southeast of Indianapolis. It has small towns, farm ground, c
Benton County sits in Oregon’s Willamette Valley. Corvallis is the county seat.
| Type: | Redeemable Deed |
| Bidding Process: | Premium |
| Frequency: | Yearly – Varies County by County |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | 1 Year With 1% Monthly Interest |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Hawaii Const Art 8 Sec 3 Ch 246 |
| Type: | Tax Lien Certificate |
| Bidding Process: | Random Selection |
| Frequency: | Annually in Jul – Sep |
| Interest Rate / Penalty: | 15% + 3% Penalty |
| Redemption Period: | 4 Years |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Wyoming Statutes Title 39 Chapter 13 |
| Type: | Tax Lien Certificate |
| Bidding Process: | Premium |
| Frequency: | Varies Based on Supply |
| Interest Rate / Penalty: | 12% |
| Redemption Period: | 1 Year |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Vermont Statutes Title 32 Ch 133-9 |
| Notes: | Overbid Does Not Get Returned and Does Not Earn Interest. However, Tax Sales Are Very Rare in Vermont |
| Type: | Tax Lien Certificate |
| Bidding Process: | Premium |
| Frequency: | 3rd Monday Yearly in Dec |
| Interest Rate / Penalty: | 12% |
| Redemption Period: | 3 Years + 60 Days |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | South Dakota Statutes Title 10 Chapter 20 |
| Notes: | Tax Lien Sales Are Not Common in SD |
| Type: | Tax Lien Certificate |
| Bidding Process: | Premium |
| Frequency: | Varies |
| Interest Rate / Penalty: | 12% |
| Redemption Period: | 1 Year |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Rhode Island Code Chapter 44-9-1 |
| Notes: | Sales Handled by Municipality, Not County |
| Type: | Tax Lien Certificate |
| Bidding Process: | Bid Down the Interest Rate + Premium |
| Frequency: | Annually Throughout the Year |
| Interest Rate / Penalty: | 18% + 2%-6% Penalty and 8% – 18% on Subs Depending on the Amount |
| Redemption Period: | 2 Years |
| Online Auction: | Some |
| Over the Counter: | Yes |
| Statute: | New Jersey Statutes Title 54 Ch 5 |
| Type: | N/A |
| Bidding Process: | N/A |
| Frequency: | N/A |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | N/A |
| Over the Counter: | N/A |
| Statute: | 2016 New Hampshire Rev Stat 5-80 |
| Type: | Tax Lien Certificate |
| Bidding Process: | “Rotational” Bidding System |
| Frequency: | Annually in March |
| Interest Rate / Penalty: | 14% |
| Redemption Period: | 3 Years |
| Online Auction: | Only Douglas County |
| Over the Counter: | Yes |
| Statute: | Nebraska Statue 77-1801 |
| Type: | Tax Lien Certificate |
| Bidding Process: | By Assignment via First Come First Serve Basis With Legal Requirements by Investor |
| Frequency: | Annually in July |
| Interest Rate / Penalty: | 10% + 2% Penalty |
| Redemption Period: | 3 Years |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Montana Code Ann 2015 Sec 15-16-301 |
| Type: | Tax Lien Certificate |
| Bidding Process: | Premium “Overbid” |
| Frequency: | Annually in Aug |
| Interest Rate / Penalty: | 10% With 8% on Subsequent Years |
| Redemption Period: | 1 Year |
| Online Auction: | Few |
| Over the Counter: | No |
| Statute: | Missouri General Assembly Ch 140 |
| Notes: | Must Be a State Resident to Bid at Lien Sales. City of St Louis and Jackson County Use Different Process (Tax Deeds) |
| Type: | Tax Lien Certificate |
| Bidding Process: | Premium “Overbid” |
| Frequency: | Annually, Apr or Aug |
| Interest Rate / Penalty: | 18% |
| Redemption Period: | 2 Years |
| Online Auction: | Some |
| Over the Counter: | No |
| Statute: | Mississippi Code Sec 27-41-49 to 27-41-89 |
| Type: | Tax Lien Certificate |
| Bidding Process: | Varies by County |
| Frequency: | Annually in May – June |
| Interest Rate / Penalty: | Varies by County. Anywhere Between 8% – 20% |
| Redemption Period: | 6 Months |
| Online Auction: | Some |
| Over the Counter: | |
| Statute: | General Assembly of Maryland 14-833 |
| Type: | Tax Lien Certificate |
| Bidding Process: | Ownership Interest Bid Down |
| Frequency: | Yearly in May-June; Deeds: Monthly |
| Interest Rate / Penalty: | 12% + 5% Penalty |
| Redemption Period: | 3 Years |
| Online Auction: | Yes |
| Over the Counter: | No |
| Statute: | Louisiana Revised Statute 47-2157 |
| Type: | Tax Lien Certificate |
| Bidding Process: | Sealed Bid First Come First Serve Basis but Must Be Present |
| Frequency: | Annually – Varies Throughout Year |
| Interest Rate / Penalty: | 12% |
| Redemption Period: | 1 Year |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Kentucky Rev Statute Ch 134 Art 420 |
| Type: | Tax Lien Certificate |
| Bidding Process: | Random Selection Process in Lieu of Bid Down Ownership Interest |
| Frequency: | Annually 3rd Monday of June |
| Interest Rate / Penalty: | 24% |
| Redemption Period: | 2 Years |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Iowa Code Chapter 446 |
| Type: | Tax Lien Certificate |
| Bidding Process: | “Overbid” (Premium) |
| Frequency: | Annually Sometime in the Fall |
| Interest Rate / Penalty: | 10% Penalty if Redeemed in 1st 6 Months, 15% Penalty if Redeemed in Months 6-12, but Only on the Taxes and Fees Not the Overbid. Overbid Amount Receives 5% Interest. |
| Redemption Period: | 1 Year if Sold at County Sale, Liens Not Sold at County Sale Are Certified to Commissioner and Sold in “Commissioner’s Certificate Sale” With 120 Day Redemption Period |
| Online Auction: | Yes |
| Over the Counter: | No but There Is a Second Auction Called a Commissioners Certificate Auction With a Shorter Redemption Period of 120 Days |
| Statute: | Indiana Code 6-1.1-25 |
| Type: | Tax Lien Certificate |
| Bidding Process: | Bid Down the Interest Rate |
| Frequency: | Annually – Varies Throughout Year |
| Interest Rate / Penalty: | 36% |
| Redemption Period: | 2 to 2 1/2 Years Depending on Classification of Property |
| Online Auction: | No |
| Over the Counter: | |
| Statute: | 35 ILCS 200/21 |
| Type: | Tax Lien Certificate |
| Bidding Process: | Premium |
| Frequency: | Annually in Fall |
| Interest Rate / Penalty: | 9 Points Above Federal Discount Rate (Prime) |
| Redemption Period: | 3 Years |
| Online Auction: | Yes |
| Over the Counter: | Yes |
| Statute: | Colorado Revised Statutes 39-1-102 |
| Type: | Tax Lien Certificate |
| Bidding Process: | Bid Down the Interest Rate |
| Frequency: | Annually in February |
| Interest Rate / Penalty: | 16% |
| Redemption Period: | 3 Years |
| Online Auction: | Yes – Not All Counties. Various Sites. Largest County Is Maricopa County |
| Over the Counter: | Yes – Liens Only |
| Statute: | Arizona Statute Title 42, Ch 18, Art 3 |
| Type: | Tax Lien Certificate |
| Bidding Process: | Premium |
| Frequency: | Annually In Apr-May-Jun |
| Interest Rate / Penalty: | 12% |
| Redemption Period: | 3 Years |
| Online Auction: | No |
| Over the Counter: | Yes |
| Statute: | Code of Alabama 1975, Sec 40, Ch 10 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Varies as Needed |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Wisconsin State Statutes Sec 75.69 |
| Type: | Hybrid – Both |
| Bidding Process: | Premium |
| Frequency: | Lien Sales Annually Oct – Nov. Deed Sales Are Held on a Needed Basis and Only on Properties That Were Not Sold at Lien Sale and Were Held by the County for 18 Months |
| Interest Rate / Penalty: | 12% on Liens |
| Redemption Period: | 18 Months on Liens |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | West Virginia Code 11a Article 3 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Annually Later in the Year |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | Many |
| Over the Counter: | No |
| Statute: | Washington State RCW 84.64 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Annually – Varies Throughout Year |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Code of Virginia 58.1-3965 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Annually in May |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | No |
| Type: | Redeemable Deed |
| Bidding Process: | Premium |
| Frequency: | Vary Throughout the Year |
| Interest Rate / Penalty: | 12% |
| Redemption Period: | Up to 1 Year |
| Online Auction: | Very Few |
| Over the Counter: | Some Counties Yes, Others Do “Surplus Property Sales” After Redemption Period |
| Type: | Redeemable Deed |
| Bidding Process: | Premium |
| Frequency: | Annually in Fall |
| Interest Rate / Penalty: | 3% Per Quarter Capped at 12% Annually |
| Redemption Period: | 1 Year |
| Online Auction: | No |
| Over the Counter: | No |
| Type: | Tax Deed |
| Bidding Process: | “Upset Sale” First With Premium Bidding Which Does Not Extinguish Other Liens, Followed by “Judicial Sale” Where All Liens With the Exception of Irs Liens Are Extinguished |
| Frequency: | Annually Throughout the Year. Upset Sales Typically Held in the Fall. Judicial Sale Typically in the Spring but Could Be Anytime After the Upset Sale. |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | Very Few |
| Over the Counter: | Yes Through “Repository” List With County Acceptance |
| Statute: | Pennsylvania Statutes Title 72-5860 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Annually in Spring or Summer |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Oregon Statutes Chapter 312 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Annually in June |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | Yes but County by County |
| Statute: | Oklahoma Statutes Title 68, Sec 3000 |
| Type: | Hybrid – Both |
| Bidding Process: | Premium on Deeds |
| Frequency: | Annually Throughout the Year |
| Interest Rate / Penalty: | 18% With Bid Down |
| Redemption Period: | 1 Year on Liens but Not Targeted for Individual Buyers |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Ohio Revised Code Section 5721.30 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Annually on the Third Tues in Nov |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | Yes, on County Basis |
| Type: | Tax Deed |
| Bidding Process: | Multiple Step Process. 1) Tax Foreclosure Sale With Premium Bidding but 10-day “Upset Bid” Period. Then Subsequent Sale, Then Surplus |
| Frequency: | Annually – Varies Throughout Year |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | Yes – “Surplus” |
| Statute: | North Carolina General Statutes 105-374 |
| Type: | Hybrid – Both |
| Bidding Process: | Premium on Deeds |
| Frequency: | Annually – Varies Throughout Year |
| Interest Rate / Penalty: | 20% on Liens With Bid Down |
| Redemption Period: | N/A |
| Online Auction: | Yes |
| Over the Counter: | No |
| Statute: | New York Real Property Tax Law Art 11 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Annually Throughout the Year |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | New Mexico Statutes Chapter 7 Article 38 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Annually – Varies Throughout Year |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | Only Pershing County |
| Over the Counter: | No |
| Statute: | Nevada Revised Statute 361.585 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Varies on as Needed Basis |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | Yes |
| Statute: | 2016 Minnesota Statutes Chapter 282 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Annually, Between July and Nov |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | Yes |
| Over the Counter: | Yes, “Surplus” |
| Statute: | Michigan General Property Tax Public Act 206 of 1983 |
| Type: | Tax Liens and Deeds |
| Bidding Process: | Varies by Municipality |
| Frequency: | Varies |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | 6 Months |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Mass Gen Laws Part 1 Title 9 Ch 60 |
| Type: | Tax Deed |
| Bidding Process: | Oral or Sealed Bid – Premium |
| Frequency: | Varies |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Maine Revised Statute Title 36 Part 2 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Varies by County & as Needed Depending on Number of Properties |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Kansas Statute Article 21 Ch 79-2101 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Annually in May or Varied Based on Number of Properties |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | Only a Few Counties |
| Statute: | Idaho Code Sec 63-100 to 63-101 |
| Type: | Redeemable Deed |
| Bidding Process: | Premium |
| Frequency: | Monthly on First Tuesday on the Month in Most Counties |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | 1 Year With 20% Penalty + 10% for Each Subsequent Year Until Foreclosure Is Filed |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Georgia Code Title 48 Ch 4 Article 1 |
| Type: | Hybrid – Both |
| Bidding Process: | Liens – Bid Down the Interest Rate. Deed – Premium |
| Frequency: | Throughout the Year Per County Discretion |
| Interest Rate / Penalty: | 18% |
| Redemption Period: | 2 Years |
| Online Auction: | Yes |
| Over the Counter: | Yes |
| Statute: | Florida Statutes Chapter 197 |
| Type: | “Monition Sales” (Redeemable Deed) |
| Bidding Process: | Premium |
| Frequency: | Quarterly or Monthly Based on the County |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | 1 Year With 20% Interest or 60 Days With 15% Penalty, Determined by County |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Delaware Statue Title 9 Ch 87 |
| Type: | Hybrid – Liens & Redeemable Deeds |
| Bidding Process: | Premium |
| Frequency: | Annually – Varies Throughout Year |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | 1 Year With 18% Penalty |
| Online Auction: | No |
| Over the Counter: | No |
| Statute: | Connecticut Gen Stat Title 12 Ch 204 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Annually – Varies Throughout Year |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | No but They Can Challenge Validity of Sale for 1 Year |
| Online Auction: | Yes – Most Counties |
| Over the Counter: | No – ‘ReOffer Sales’ Though |
| Statute: | Ca. Rev & Taxation Code Div 1 Part 6 |
| Type: | Tax Deed |
| Bidding Process: | First Come, First Serve Basis via Sealed Bid |
| Frequency: | Varies by Burrough Preferences |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | N/A |
| Online Auction: | No |
| Over the Counter: | Yes |
| Statute: | Alaska Statutes 29.45 Sec 320 |
| Type: | Tax Deed |
| Bidding Process: | Premium |
| Frequency: | Annually Typically During Summer Months |
| Interest Rate / Penalty: | N/A |
| Redemption Period: | 30 Day Redemption Period & 90 Day Litigation Period |
| Online Auction: | No |
| Over the Counter: | Yes |
| Statute: | Arkansas Code Sec 26-37-101 |
| Type: | Redeemable Deed |
| Bidding Process: | Premium |
| Frequency: | Monthly on the First Tuesday of the Month |
| Interest Rate / Penalty: | 25% Penalty Per 6 Months for Non Homestead or Special Land Use Properties. If 2 Yr Redemption Period Applies 25% for 1st Year and 50% Penalty for 2nd Year |
| Redemption Period: | 6 Months for Most Properties. 2 Years for Homestead and Special Land Use Properties |
| Online Auction: | The Vast Majority No, but in 2019, Two Counties (Victoria & Orange) |
| Over the Counter: | Sealed Bid for “Struck Off” Properties |
| Statute: | Texas Tax Code 1-E-24A |