You usually have 5 years... as best to my understanding. Do you need some help or what?
waiting 5 years is usually not so helpful to the tenant (opps I mean owner)
my county charges a late fee and 2% interest per month. that can add up real fast
after a 5 year wait I can’t imagine the cost after going delinquent 5 years in a row.
I’ve helped out my ex (the mother of my children) now for 3 years to keep her from getting those costs.
thankfully she pays me back after a few months