If taxes in a certificate are being redeemed in installments and installments are being made current, what is the municipality unable to do?

• A. Foreclose
• B. Foreclose with Court Order
• C. Resell the property
• D. Extend the redemption period

Answer: (A)

When a tax certificate is being redeemed in installments and those installments are kept current, there is no default to trigger foreclosure. The right to foreclose comes from failure to redeem within the allotted period or from ongoing delinquency. Since the borrower is making timely installments, the redemption remains in effect and foreclosure cannot occur at that time.

Foreclosing with a court order is simply the foreclosure process with extra steps, which isn’t needed while redemption is current. Reselling the property would happen only after foreclosure has been completed, so it isn’t applicable when there’s no foreclosure underway. Extending the redemption period might be considered in some situations, but with current installments there isn’t a defined need to extend, and foreclosure cannot proceed.