--- title: CTDs and Tax Payment Plans description: Learn how tax payment plans can affect Certificates of Taxes Due in Colorado and how title companies can avoid surprises with help from COCRS. image: https://cocrs.com/hubfs/2025-07-2%20Tax%20payment%20plans.jpeg --- [Skip to content](https://cocrs.com/tips/ctds-and-tax-payment-plans#main-content) [![COCRS LLC Logo](https://cocrs.com/hs-fs/hubfs/COCRS%20logo_type_color.jpg?width=334&height=182&name=COCRS%20logo_type_color.jpg)](https://cocrs.com) - [Home](https://cocrs.com/) Show submenu for {{ link.label }} - [Meet Our Team](https://cocrs.com/meet-the-team) - Our Services Show submenu for {{ link.label }} - [Property Tax](https://cocrs.com/property-tax) - [HOA Documentation](https://cocrs.com/hoa-documentation) - Help and Info Show submenu for {{ link.label }} - [Knowledge Base](https://kb.cocrs.com/) - [Tips Blog](https://cocrs.com/tips) Open main navigation Close main navigation - [Home](https://cocrs.com/) Show submenu for {{ link.label }} - [Meet Our Team](https://cocrs.com/meet-the-team) - Our Services Show submenu for {{ link.label }} - [Property Tax](https://cocrs.com/property-tax) - [HOA Documentation](https://cocrs.com/hoa-documentation) - Help and Info Show submenu for {{ link.label }} - [Knowledge Base](https://kb.cocrs.com/) - [Tips Blog](https://cocrs.com/tips) - [User Login](https://user.cocrs.com/) [User Login](https://user.cocrs.com/) Jul 30, 2025 9:45:00 AM # CTDs and Tax Payment Plans ![Picture of Paul Soucek](https://cocrs.com/hs-fs/hubfs/Wordpress%20files/Paul%20Headshot%20500x500.jpg?width=50&name=Paul%20Headshot%20500x500.jpg) [Paul Soucek](https://cocrs.com/tips/author/paul-soucek) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://cocrs.com/tips/ctds-and-tax-payment-plans) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://cocrs.com/tips/ctds-and-tax-payment-plans) [Twitter icon](https://twitter.com/intent/tweet?url=https://cocrs.com/tips/ctds-and-tax-payment-plans) [envelope icon](mailto:?body=https://cocrs.com/tips/ctds-and-tax-payment-plans) ## **What Title Companies Need to Know in Colorado** ### 💡 Why This Matters In Colorado, property owners facing financial hardship can enter into **tax payment plans** with county treasurers. While these plans help owners avoid tax liens or foreclosure, they can create **confusion during real estate closings**—especially when the Certificate of Taxes Due (CTD) doesn’t clearly reflect the payment status. For title companies, understanding how to identify and handle these situations is key to protecting clients and ensuring smooth closings. --- ### 🔍 What Are Tax Payment Plans? Tax payment plans allow property owners to pay delinquent taxes in installments over time. These agreements are typically: - Negotiated directly with the **county treasurer**. - Not always recorded as liens. - Sometimes **not reflected on the CTD** unless specifically requested. --- ### ⚠️ The Risk for Title Companies If a CTD shows no delinquency, but a payment plan is in place: - The **remaining balance may still be a lien**. - The buyer could inherit the obligation unknowingly. - The closing could be delayed or require **last-minute escrow adjustments**. --- ### 🧾 How to Spot a Payment Plan Use these strategies to uncover hidden tax obligations: - **Ask the seller directly** if they’re on a payment plan. - **Contact the county treasurer** to confirm the full tax status. - Use COCRS’s **CTD services** to identify inconsistencies. --- ### 📑 What to Include in the Title Commitment If a payment plan is discovered: - **Disclose the plan** and any remaining balance. - **Escrow funds** to cover unpaid installments. - Include **language noting the treasurer’s confirmation** of the plan. --- ### 🛠️ How COCRS Can Help COCRS goes beyond the basic CTD by: - **Using treasurer data** for payment plans and deferrals. - **Contacting counties directly** to verify tax obligations—so you don’t have to. --- ### ✅ Final Thoughts: Don’t Let Payment Plans Derail Your Deal Tax payment plans are becoming more common—but they’re not always visible. By working with COCRS, title companies can uncover hidden liabilities, protect buyers, and close with confidence. --- ### 📞 Call to Action **Need help verifying a CTD or uncovering hidden tax obligations?** **Contact COCRS today**—we’ll handle the research so you can focus on closing. [Property Tax](https://cocrs.com/tips/tag/property-tax) ## Related posts [![](https://cocrs.com/hs-fs/hubfs/2025-09-22%20PA%20Puzzle.png?height=200&name=2025-09-22%20PA%20Puzzle.png)](https://cocrs.com/tips/the-pennsylvania-puzzle-why-property-tax-certificates-arent-always-enough) [Property Tax](https://cocrs.com/tips/tag/property-tax) ## [The Pennsylvania Puzzle: Why Property Tax Certificates Aren’t Always Enough](https://cocrs.com/tips/the-pennsylvania-puzzle-why-property-tax-certificates-arent-always-enough) ![Picture of Paul Soucek](https://cocrs.com/hs-fs/hubfs/Wordpress%20files/Paul%20Headshot%20500x500.jpg?width=50&name=Paul%20Headshot%20500x500.jpg) [Paul Soucek](https://cocrs.com/tips/author/paul-soucek) Sep 24, 2025 12:30:00 PM In Pennsylvania, property tax certificates are a critical part of the closing process—but they... [Read more](https://cocrs.com/tips/the-pennsylvania-puzzle-why-property-tax-certificates-arent-always-enough) [![](https://cocrs.com/hs-fs/hubfs/CTD%20-%202025-08-19.jpg?height=200&name=CTD%20-%202025-08-19.jpg)](https://cocrs.com/tips/certificates-of-taxes-due-and-delinquent-property-tax-risks) [Property Tax](https://cocrs.com/tips/tag/property-tax) ## [Certificates of Taxes Due and Delinquent Property Tax Risks](https://cocrs.com/tips/certificates-of-taxes-due-and-delinquent-property-tax-risks) ![Picture of Paul Soucek](https://cocrs.com/hs-fs/hubfs/Wordpress%20files/Paul%20Headshot%20500x500.jpg?width=50&name=Paul%20Headshot%20500x500.jpg) [Paul Soucek](https://cocrs.com/tips/author/paul-soucek) Aug 21, 2025 10:15:00 AM What Title Companies Need to Watch for in Colorado Introduction Certificates of Taxes Due (CTDs)... [Read more](https://cocrs.com/tips/certificates-of-taxes-due-and-delinquent-property-tax-risks) [![](https://cocrs.com/hs-fs/hubfs/2025-10-13%20PA%20tax.jpg?height=200&name=2025-10-13%20PA%20tax.jpg)](https://cocrs.com/tips/the-hidden-trap-interim-tax-bills-and-reassessment-surprises-in-pennsylvania-real-estate-closings) [Property Tax](https://cocrs.com/tips/tag/property-tax) ## [The Hidden Trap: Interim Tax Bills and Reassessment Surprises in Pennsylvania Real Estate Closings](https://cocrs.com/tips/the-hidden-trap-interim-tax-bills-and-reassessment-surprises-in-pennsylvania-real-estate-closings) ![Picture of Paul Soucek](https://cocrs.com/hs-fs/hubfs/Wordpress%20files/Paul%20Headshot%20500x500.jpg?width=50&name=Paul%20Headshot%20500x500.jpg) [Paul Soucek](https://cocrs.com/tips/author/paul-soucek) Oct 13, 2025 10:45:00 AM When it comes to real estate closings in Pennsylvania, most title companies know to request a... [Read more](https://cocrs.com/tips/the-hidden-trap-interim-tax-bills-and-reassessment-surprises-in-pennsylvania-real-estate-closings) --- ## Get Started with COCRS - 1100 W Littleton Blvd Ste 240 Littleton CO 80120 - 720-615-0500 - sales@cocrs.com - www.linkedin.com/company/cocrs - P. O. Box 102822 Denver CO 80250-2822  Copyright 2025 COCRS ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Paul Soucek", "url" : "https://cocrs.com/tips/author/paul-soucek" }, "dateModified" : "2025-07-30T15:45:00.514Z", "datePublished" : "2025-07-30T15:45:00.000Z", "headline" : "CTDs and Tax Payment Plans", "image" : [ "https://cocrs.com/hubfs/2025-07-2%20Tax%20payment%20plans.jpeg" ], "mainEntityOfPage" : { "@id" : "https://cocrs.com/tips/ctds-and-tax-payment-plans", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://cocrs.com/hubfs/COCRS%20logo_type_color.jpg" }, "name" : "COCRS LLC" } } ```