Learn how to Stop Foreclosure for Judicial and Non-Judicial States.

Are You In a Judicial or Non-Judicial State?
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Content provided from www.consumerwarningnetwork.com and law firm of James, Hoyer, Newcomer, Smiljanich & Yanchunis, P.A. www.jameshoyer.com


Why is this important?
In some states, such as Georgia, California, and Texas, an entity can foreclose on your home without going to court.  These are non-judicial states.

In Judicial States, the party initiating foreclosure proceedings must do so through a judicial procedure, or foreclosure lawsuit.  In Non-Judicial states, however, where there is no lawsuit, the homeowner has to take the extra steps to file a lawsuit against the party trying to foreclose to challenge their standing (or actual authority) to foreclose.


The below chart is a general guide only.  Check your state statutes for up-to-date procedures.  Foreclosure type will most often be either judicial or non-judicial.  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., and this is seen relatively often. Also, homeowner redemption after foreclosure is possible in some states.  Time periods are listed where available.

Click on a state to read about detailed foreclosure procedures for that state. (Source for state foreclosure procedures RealtyTrac www.RealtyTrac.com.)
 

STATE TYPE OF
FORECLOSURE
PROCESS
PERIOD
(Days)
SALE PUBLI-CATION
(Days)
DEFICIENCY
JUDGMENT
REDEMPTION
PERIOD
(Days)
Sale/
NTS

Alabama

       Both

49-74   

21 

Possible and Practical

12 Months

Trustee

Alaska

Both

105 65

Not Practical

None

Trustee

Arizona

Both

90+ 41

Not Practical

None

Trustee

Arkansas

Both

70 30

Possible and Practical

None

Trustee

California

PrimarilyNon-Judicial

117 21

Not Practical

None

Trustee

Colorado

Both

145 60

Possible and Practical

75 Days

Trustee

Connecticut

Judicial/Strict

62 NA

Possible and Practical

None

Court

Delaware

Judicial

170-210 60-90

Possible and Practical

None

Sheriff

District ofColumbia

Non-Judicial

47 18

Possible and Practical

None

Trustee

Florida

Judicial

135 NA

Possible and Practical

None

Court

Georgia

PrimarilyNon-Judicial

37 32

Possible and Practical

None

Trustee

Hawaii

PrimarilyNon-Judicial

220 60

Not Practical

None

Trustee

Idaho

Non-Judicial

150 45

Possible and Practical

None

Trustee

Illinois

Judicial

300 NA

Possible and Practical

None

Court

Indiana

Judicial

261 120

Possible and Practical

3 Months

Sheriff

Iowa

Both

160 30

Not Practical

6 Months,if judicial

Sheriff

Kansas

Judicial

130 21

Possible and Practical

6-12 Months

Sheriff

Kentucky

Judicial

147 NA

Possible and Practical

None

Court

Louisiana

Judicial

180 NA

Possible and Practical

None

Sheriff

Maine

Primarily Judicial

240 30

Possible and Practical

None

Court

Maryland

Judicial

46 30

Possible and Practical

None

Court

Massachusetts

Non-Judicial

75 41

Possible and Practical

None

Court

Michigan

Both

60 30

Possible and Practical

6 Months

Sheriff

Minnesota

Both

90-100 7

Not Practical

6 Months

Sheriff

Mississippi

PrimarilyNon-Judicial

90 30

Possible andPractical

None

Trustee

Missouri

PrimarilyNon-Judicial

60 10

Possible andPractical

None

Trustee

Montana

PrimarilyNon-Judicial

150 50

Not Practical

None

Trustee

Nebraska

Judicial

142 NA

Possible andPractical

None

Sheriff

Nevada

PrimarilyNon-Judicial

116 80

Possible and Practical

None

Trustee

New Hampshire

PrimarilyNon-Judicial

59 24

Possible and Practical

None

Trustee

New Jersey

Judicial

270 NA

Possible and Practical

10 Days

Sheriff

New Mexico

Judicial

180 NA

Possible and Practical

None

Court

New York

Judicial

445 NA

Possible and Practical

None

Court

North Carolina

Non-Judicial

110 25

Possible and Practical

None

Sheriff

North Dakota

Judicial

150 NA

Not Possible

60 Days

Sheriff

Ohio

Judicial

217 NA

Possible and Practical

None

Sheriff

Oklahoma

Primarily Judicial

186 NA

Possible and Practical

None

Sheriff

Oregon

Non-Judicial

150 30

Not Practical

None

Trustee

Pennsylvania

Judicial

270 NA

Not Practical

None

Sheriff

Rhode Island

Both

62 21

Possible and Practical

None

Trustee

South Carolina

Judicial

150 NA

Not Practical

None

Court

Tennessee

Non-Judicial

150 23

Possible and Practical

None

Trustee

Texas

Non-Judicial

27 NA

Possible and Practical

None

Trustee

Utah

Both

142 NA

Possible and Practical

None

Trustee

Vermont

Both

95 NA

Possible and Practical

None

Court

Virginia

Non-Judicial

45 14-28

Possible and Practical

None

Trustee

Washington

Non-Judicial

135 90

Not Practical

None

Trustee

West Virginia

Non-Judicial

60-90 30-60

Possible and Practical

None

Trustee

Wisconsin

Judicial

290 NA

Not Practical

None

Sheriff

Wyoming

Non-Judicial

60 25

Possible and Practical

3 Months

Sheriff
Source: www.ConsumerWarningNetwork.com

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