Foreclosure Articles

How to STOP Foreclosure by State

This is a general guide only, laws change and you need to check your state statutes for accurate, up to date procedures. Foreclosure type will most often be either judicial or non-judical, if you have a specific question about a state process. Months to foreclose include the legal minimum required and the probable time length once foreclosure has begun. Deficiency judgments are available in some states if the lender loses money through the foreclosure process, if it is not practical for the lender to enforce a judgment, it will be listed. Homeowner redemption after foreclosure is possible in some states, the time periods are listed where available.

STATE TYPE OF
FORECLOSURE		 MONTHS
TO FORECLOSE
MINIMUM/EXPECTED		 DEFICIENCY
JUDGMENT		 REDEMPTION
PERIOD
Alabama Primarily
Non-Judicial		 1/3 Possible and
Practical		 12 Months
Alaska Both 3/4 Not Practical None
Arizona Both 3/4 Not Practical None
Arkansas Both 4/5 Possible and
Practical		 None
California Primarily
Non-Judicial		 4/4 Not Practical None
Colorado Both 2/5 Possible and
Practical		 75 Days
Connecticut Judicial/Strict 5/6 Possible and
Practical		 None
Delaware Judicial 3/7 Possible and
Practical		 None
District of
Columbia		 Non-Judicial 2/4 Possible and
Practical		 None
Florida Judicial 5/5 Possible and
Practical		 None
Georgia Primarily
Non-Judicial		 2/2 Possible and
Practical		 None
Hawaii Primarily
Non-Judicial		 3/4 Not Practical None
Idaho Non-Judicial 5/6 Possible and
Practical		 None
Illinois Judicial 7/10 Possible and
Practical		 None
Indiana Judicial 5/7 Possible and
Practical		 3 Months
Iowa Both 5/6 Not Practical 6 Months,
if judicial
Kansas Judicial 4/4 Possible and
Practical		 6-12 Months
Kentucky Judicial 6/5 Possible and
Practical		 None
Louisiana Judicial 2/6 Possible and
Practical		 None
Maine Primarily Judicial 6/10 Possible and
Practical		 None
Maryland Judicial 2/2 Possible and
Practical		 None
Massachusetts Non-Judicial 3/4 Possible and
Practical		 None
Michigan Both 2/2 Possible and
Practical		 6 Months
Minnesota Both 2/3 Not Practical 6 Months
Mississippi Primarily
Non-Judicial		 2/3 Possible and
Practical		 None
Missouri Primarily
Non-Judicial		 2/2 Possible and
Practical		 None
Montana Primarily
Non-Judicial		 5/5 Not Practical None
Nebraska Judicial 5/6 Possible and
Practical		 None
Nevada Primarily
Non-Judicial		 4/4 Possible and
Practical		 None
New Hampshire Primarily
Non-Judicial		 2/3 Possible and
Practical		 None
New Jersey Judicial 3/10 Possible and
Practical		 10 Days
New Mexico Judicial 4/6 Possible and
Practical		 None
New York Judicial 4/8 Possible and
Practical		 None
North Carolina Non-Judicial 2/4 Possible and
Practical		 None
North Dakota Judicial 3/5 Not Possible 60 Days
Ohio Judicial 5/7 Possible and
Practical		 None
Oklahoma Primarily Judicial 4/7 Possible and
Practical		 None
Oregon Non-Judicial 5/5 Not Practical None
Pennsylvania Judicial 3/9 Not Practical None
Rhode Island Both 2/3 Possible and
Practical		 None
South Carolina Judicial 6/6 Not Practical None
Tennessee Non-Judicial 2/2 Possible and
Practical		 None
Texas Non-Judicial 2/2 Possible and
Practical		 None
Utah Both 4/5 Possible and
Practical		 None
Vermont Both 7/10 Possible and
Practical		 None
Virginia Non-Judicial 2/2 Possible and
Practical		 None
Washington Non-Judicial 4/5 Not Practical None
West Virginia Non-Judicial 2/2 Possible and
Practical		 None
Wisconsin Judicial varies/10 Not Practical None
Wyoming Non-Judicial 2/3 Possible and
Practical		 3 Mo

 

 

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