Property Tax arrears?

Property tax should be paid along with the mortgage payment.  Having the lender collect and disburse the taxes to your municipality is the safest.  Paying them yourself you risk getting caught behind.

Allowing property tax to go into arrears is not good judgement call.  The municipal property tax office adds significant penalties.  Resolving your tax arrears will end up costing much penalties, likely out of your equity.

When you get caught behind in property taxes you ought to immediately notify the tax office.  Also make an arrangement to bring them back up to date, the sooner the better.  

If you find paying the taxes in installments difficult you should check the tipps program and set payments monthly.