Properties still unsold after the annual, judicial, and repository bid-off sale are placed in the regular repository, at which point anyone, with the exception of the property owners, may bid on the property. If the tax claim director accepts the bid, the purchaser pays that day and there is a 40-calendar day waiting period for consent. This is a free and clear sale. A deed is prepared once consent is received. If consent is denied, a full refund is processed.