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Do You Qualify for Tax Postponement? Applications Available in September 2019

California has a tax postponement program for certain homeowners, which allows them to postpone paying their property taxes for primary residences.  This program is available to homeowners who are over 62 years old, blind, or have a disability.  Additionally, the homeowner must occupy the home, and there must be a total household income of $35,500 or less.  The homeowner must have at least 40% equity in the property.

How does it work?

When a homeowner is accepted to the program, their taxes are postponed for that year.  The interest rate is 7% per year.  The State will place a lien on the home until the account is paid in full.

The loan becomes due when the homeowner:

  • Moves or sells the property;
  • Transfers title to the property;
  • Defaults on the senior lien;
  • Refinances;
  • Passes away; or,
  • Obtains a reverse mortgage.

Tax postponement is a limited program, so apply early.

The state will process applications in the order received.  There is limited funding for the program, so it is a good idea to apply early.  Applications will become available in September 2019 for the 2019-2020 filing period.  For questions, call (800) 952-5661 or email  You can also contact them to join the tax postponement mailing list.

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Beware Debt Collectors Trying to Revive Zombie Debts

Debt collection is an $11 billion industry, and debt collectors will use a lot of tactics to collect.  A recent article in the Washington Post highlighted an unsettling trend: some debt collectors are trying to trick consumers into reviving old debt that is barred by the statute of limitations.  Debt collectors in California only have four years after the consumer has made their last payment to file suit to collect the debt.  Thus, the statute of limitations is only four years.  If debt collectors wait more than four years, debtors can use the statute of limitations as a defense. (more…)

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Are You Ready for an Emergency? These Tools Can Help.

Though Californians live in a beautiful part of the country, we also have fires, earthquakes, and mudslides.  After the fires in Santa Rosa in 2017, three thousand homes were lost.  Just recently, many Contra Costa residents felt the magnitude 4.3 earthquake about 7.5 miles east of Blackhawk.  With that in mind, we all should take this opportunity to take a look at our emergency plans. (more…)

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Must-Watch Videos to Protect Yourself from Scams

Scammers are more sophisticated than ever.  The FTC reported that Americans lost about $1.48 billion to scammers in 2018 alone.  Scam phone calls are so commonplace, that many of us do not even answer the phone if we do not know the number (good advice!).

While there are a lot of scams targeting seniors, younger adults get tons of these scam calls and emails as well.  Everyone needs to be aware of the signs of a scam, because once that money is gone, you cannot get it back.  News outlets and the FTC often report the latest scams, but unfortunately, as soon as one scam is identified, three more pop up in its place. (more…)

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SAGE USA Honors LGBT Seniors During 50th Anniversary of Stonewall

SAGE USA Honors LGBT Seniors During 50th Anniversary of Stonewall

LGBT pioneers share their Stonewall stories

As part of SAGE’s four-part Stonewall video series, LGBT elders describe firsthand accounts of the Stonewall uprising of 1969.

CCSLS is here to support LGBTQ seniors in Contra Costa County.  For LGBT resources in Contra Costa, call the Rainbow Community Center at (925) 692-0900.

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A Message from the Administration for Community Living

Thank you to the Administration for Community Living for this special message:

Lifting up Voices for World Elder Abuse Awareness Day (June 15)

By Lance Robertson, Assistant Secretary for Aging and Administrator, ACL

Tomorrow we join the world in speaking out against the abuse, neglect, and exploitation of older adults for World Elder Abuse Awareness Day (WEAAD). This day is about coming together to reaffirm that older adults are equal members of our communities, entitled to all the same dignity, rights, and security that each of us would expect at any age. (more…)

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In News

How SSI Recipients Can Apply for CalFresh in Contra Costa County

What is CalFresh? CalFresh Logo

CalFresh is a program that provides monthly food benefits for low-income individuals and families.  It is California’s version of the federal program, Supplemental Nutrition Assistance Program (SNAP).  CalFresh participants receive an EBT card that can be used at grocery stores and farmers markets throughout the County.  However, the amount an individual or family receives depends on their income and a variety of factors. (more…)

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Let’s Celebrate! May is Older Americans Month

Older Americans Month 2019: Connect, Create, Contribute

Each year, more and more older adults are making a positive impact in and around Contra Costa County. As volunteers, employees, employers, educators, mentors, advocates, and more, they offer insight and experience that benefit the entire community. That’s why Older Americans Month (OAM) has been recognizing the contributions of this growing population for 56 years.

Led by the Administration for Community Living (ACL) each May, OAM provides resources to help older Americans stay healthy and independent, and resources to help communities support and celebrate their diversity. (more…)

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Contact Us

2702 Clayton Rd.
Suite 202

Concord, CA 94519
(925) 609-7900

Events Calendar

For our upcoming events, check out our calendar.

Our Mission

The mission of CCSLS is to protect the rights of seniors. By providing legal services, the organization is also able to mediate poverty and improve health outcomes for the population it serves. Lawyers are uniquely qualified to help identify and address legal issues that impede the ability of seniors to remain healthy and independent.