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Foreclosure Basics - By State
*6/17/2011 - Currently updating chart. If state has entry in "Sale" column, it has been updated.
|
State
|
Security
Instrument
|
Foreclosure
Type |
Initial
Step |
# of
Months |
Redemption |
Deficiency |
Sale |
|
Alabama |
Trust Deed,
Mortgage |
Mainly
Nonjudicial |
Publication |
1-2
|
12 months |
Allowed |
Trustee |
|
Alaska |
Trust Deed,
Mortgage |
Mainly
Nonjudicial |
Notice of Default |
3-4
|
None |
Allowed
(Judicial only) |
Trustee |
|
Arizona |
Trust Deed |
Mainly
Nonjudicial |
Notice of Sale |
3-4
|
None |
Varies |
Trustee |
|
Arkansas |
Trust Deed |
Mainly
Nonjudicial |
Notice of Default |
4-6
|
12 months
(Judicial only) |
Allowed
(Judicial only) |
Trustee |
|
California |
Trust Deed |
Mainly
Nonjudicial |
Notice of Default |
4
|
12 Months
(Judicial only) |
Allowed
(Judicial only) |
Trustee |
|
Colorado |
Trust Deed |
Mainly
Nonjudicial |
Notice of Default |
4-5
|
75 Days |
Allowed |
Public Trustee |
|
Connecticut |
Mortgage |
Judicial
Only |
Complaint |
3
|
None |
Allowed |
Court |
|
Delaware |
Mortgage |
Judicial
Only |
Complaint |
5-6
|
None |
Allowed |
Sheriff |
|
Dist. of Col. |
Trust Deed |
Nonjudicial |
Notice of Default |
2
|
None |
Allowed |
|
Florida |
Mortgage |
Judicial |
Complaint |
5
|
None |
Allowed |
|
Georgia |
Security Deed |
Nonjudicial |
Publication |
2
|
None |
Allowed |
|
Hawaii |
Mortgage |
Nonjudicial |
Publication |
3
|
None |
Allowed |
|
Idaho |
Trust Deed |
Nonjudicial |
Notice of Default |
5
|
None |
Allowed |
|
Illinois |
Mortgage |
Judicial |
Complaint |
7
|
None |
Allowed |
|
Indiana |
Mortgage |
Judicial |
Complaint |
5
|
3 months |
Allowed |
|
Iowa |
Mortgage |
Judicial |
Petition |
5
|
6 months |
Allowed |
|
Kansas |
Mortgage |
Judicial |
Complaint |
4
|
6-12 months |
Allowed |
|
Kentucky |
Mortgage |
Judicial |
Complaint |
6
|
None |
Allowed |
|
Louisiana |
Mortgage |
Exec.Process |
Petition |
2
|
None |
Allowed |
|
Maine |
Mortgage |
Judicial |
Complaint |
6
|
None |
Allowed |
|
Maryland |
Trust Deed |
Nonjudicial |
Notice |
2
|
None |
Allowed |
|
Massachusetts |
Mortgage |
Judicial |
Complaint |
3
|
None |
Allowed |
|
Michigan |
Mortgage |
Nonjudicial |
Publication |
2
|
6 months |
Allowed |
|
Minnesota |
Mortgage |
Nonjudicial |
Publication |
2
|
6 months |
Prohibited |
|
Mississippi |
Trust Deed |
Nonjudicial |
Publication |
2
|
None |
Prohibited |
|
Missouri |
Trust Deed |
Nonjudicial |
Publication |
2
|
None |
Allowed |
|
Montana |
Trust Deed |
Nonjudicial |
Notice |
5
|
None |
Prohibited |
|
Nebraska |
Mortgage |
Judicial |
Petition |
5
|
None |
Allowed |
|
Nevada |
Trust Deed |
Nonjudicial |
Notice of Default |
4
|
None |
Allowed |
|
New Hampshire |
Mortgage |
Nonjudicial |
Notice of Sale |
2
|
None |
Allowed |
|
New Jersey |
Mortgage |
Judicial |
Complaint |
3
|
10 Days |
Allowed |
|
New Mexico |
Mortgage |
Judicial |
Complaint |
4
|
None |
Allowed |
|
New York |
Mortgage |
Judicial |
Complaint |
4
|
None |
Allowed |
|
North Carolina |
Trust Deed |
Nonjudicial |
Notice Hearing |
2
|
None |
Allowed |
|
North Dakota |
Mortgage |
Judicial |
Complaint |
3
|
60 days |
Prohibited |
|
Ohio |
Mortgage |
Judicial |
Complaint |
5
|
None |
Allowed |
|
Oklahoma |
Mortgage |
Judicial |
Complaint |
4
|
None |
Allowed |
|
Oregon |
Trust Deed |
Nonjudicial |
Notice of Default |
5
|
None |
Allowed |
|
Pennsylvania |
Mortgage |
Judicial |
Complaint |
3
|
None |
Allowed |
|
Rhode Island |
Mortgage |
Nonjudicial |
Publication |
2
|
None |
Allowed |
|
South Carolina |
Mortgage |
Judicial |
Complaint |
6
|
None |
Allowed |
|
South Dakota |
Mortgage |
Judicial |
Complaint |
3
|
180 days |
Allowed |
|
Tennessee |
Trust Deed |
Nonjudicial |
Publication |
2
|
None |
Allowed |
|
Texas |
Trust Deed |
Nonjudicial |
Publication |
2
|
None |
Allowed |
|
Utah |
Trust Deed |
Nonjudicial |
Notice of Default |
4
|
None |
Allowed |
|
Vermont |
Mortgage |
Judicial |
Complaint |
7
|
None |
Allowed |
|
Virginia |
Trust Deed |
Nonjudicial |
Publication |
2
|
None |
Allowed |
|
Washington |
Trust Deed |
Nonjudicial |
Notice of Default |
4
|
None |
Allowed |
|
West Virginia |
Trust Deed |
Nonjudicial |
Publication |
2
|
None |
Prohibited |
|
Wisconsin |
Mortgage |
Judicial |
Complaint |
Varies
|
None |
Allowed |
|
Wyoming |
Mortgage |
Nonjudicial |
Publication |
2
|
3 months |
Allowed |
Note: Laws change constantly. Check with your local law library for the most up-to-date information regarding foreclosure procedures in your area.
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