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

Are You In a Judicial or Non-Judicial State?
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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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