Stop Home Foreclosure


State

 

Security
Instrument

 

Foreclosure
Type

 

Initial
Step

 

# of
Months

 

Redemption

 

Deficiency

 

Alabama

 

Mortgage

 

Nonjudicial

 

Publication

 

2

12 months

 

Yes

 

Alaska

 

Trust Deed

 

Nonjudicial

 

Notice of Default

 

4

None

 

Yes

 

Arizona

 

Trust Deed

 

Nonjudicial

 

Notice of Sale

 

3

None

 

Yes

 

Arkansas

 

Mortgage

 

Judicial

 

Complaint

 

4

None

 

Yes

 

California

 

Trust Deed

 

Nonjudicial

 

Notice of Default

 

4

None

 

No

 

Colorado

 

Trust Deed

 

Nonjudicial

 

Notice of Default

 

4

75 Days

 

Yes

 

Connecticut

 

Mortgage

 

Strict

 

Complaint

 

5

None

 

Yes

 

Delaware

 

Mortgage

 

Judicial

 

Complaint

 

4

None

 

Yes

 

Dist. of Col.

 

Trust Deed

 

Nonjudicial

 

Notice of Default

 

2

None

 

Yes

 

Florida

 

Mortgage

 

Judicial

 

Complaint

 

5

None

 

Yes

 

Georgia

 

Security Deed

 

Nonjudicial

 

Publication

 

3

None

 

Yes
Hawaii

 

Mortgage

 

Nonjudicial

 

Publication

 

5

None Yes
Idaho

 

Trust Deed

 

Nonjudicial

 

Notice of Default

 

7

None

 

Yes

 

Illinois

 

Mortgage

 

Judicial

 

Complaint

 

8

None

 

Yes

 

Indiana

 

Mortgage

 

Judicial

 

Complaint

 

7

3 months

 

Yes

 

Iowa

 

Mortgage

 

Judicial

 

Petition

 

6

6 months

 

Yes

 

Kansas

 

Mortgage

 

Judicial

 

Complaint

 

4

6-12 months

 

Yes

 

Kentucky

 

Mortgage

 

Judicial

 

Complaint

 

7

None

 

Yes

 

Louisiana

 

Mortgage

 

Exec.Process

 

Petition

 

4

None

 

Yes

 

Maine

 

Mortgage

 

Judicial

 

Complaint

 

8

None

 

Yes

 

Maryland

 

Trust Deed

 

Nonjudicial

 

Notice

 

4

None

 

Yes

 

Massachusetts

 

Mortgage

 

Judicial

 

Complaint

 

4

None

 

Yes

 

Michigan

 

Mortgage

 

Nonjudicial

 

Publication

 

2

6 months

 

Yes

 

Minnesota

 

Mortgage

 

Nonjudicial

 

Publication

 

3

6 months

 

No

 

Mississippi

 

Trust Deed

 

Nonjudicial

 

Publication

 

3

None

 

No

 

Missouri

 

Trust Deed

 

Nonjudicial

 

Publication

 

3

None

 

Yes

 

Montana

 

Trust Deed

 

Nonjudicial

 

Notice

 

6

None

 

No

 

Nebraska

 

Mortgage

 

Judicial

 

Petition

 

5

None

 

Yes

 

Nevada

 

Trust Deed

 

Nonjudicial

 

Notice of Default

 

4

None

 

Yes

 

New Hampshire

 

Mortgage

 

Nonjudicial

 

Notice of Sale

 

3

None

 

Yes

 

New Jersey

 

Mortgage

 

Judicial

 

Complaint

 

7

10 Days

 

Yes

 

New Mexico

 

Mortgage

 

Judicial

 

Complaint

 

5

None

 

Yes

 

New York

 

Mortgage

 

Judicial

 

Complaint

 

6

None

 

Yes

 

North Carolina

 

Trust Deed

 

Nonjudicial

 

Notice Hearing

 

3

None

 

Yes

 

North Dakota

 

Mortgage

 

Judicial

 

Complaint

 

4

60 days

 

No

 

Ohio

 

Mortgage

 

Judicial

 

Complaint

 

6

None

 

Yes

 

Oklahoma

 

Mortgage

 

Judicial

 

Complaint

 

5

None

 

Yes

 

Oregon

 

Trust Deed

 

Nonjudicial

 

Notice of Default

 

7

None

 

Yes

 

Pennsylvania

 

Mortgage

 

Judicial

 

Complaint

 

6

None

 

Yes

 

Rhode Island

 

Mortgage

 

Nonjudicial

 

Publication

 

3

None

 

Yes

 

South Carolina

 

Mortgage

 

Judicial

 

Complaint

 

6

None

 

Yes

 

South Dakota

 

Mortgage

 

Judicial

 

Complaint

 

4

180 days

 

Yes

 

Tennessee

 

Trust Deed

 

Nonjudicial

 

Publication

 

3

None

 

Yes

 

Texas

 

Trust Deed

 

Nonjudicial

 

Publication

 

2-3

None

 

Yes

 

Utah

 

Trust Deed

 

Nonjudicial

 

Notice of Default

 

5

None

 

Yes

 

Vermont

 

Mortgage

 

Judicial

 

Complaint

 

7

None

 

Yes

 

Virginia

 

Trust Deed

 

Nonjudicial

 

Publication

 

3

None

 

Yes

 

Washington

 

Trust Deed

 

Nonjudicial

 

Notice of Default

 

5

None

 

Yes

 

West Virginia

 

Trust Deed

 

Nonjudicial

 

Publication

 

4

None

 

No

 

Wisconsin

 

Mortgage

 

Judicial

 

Complaint

 

9

None

 

Yes

 

Wyoming

 

Mortgage

 

Nonjudicial

 

Publication

 

3

3 months

 

Yes

 

 

 


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The information contained in this site is based on our opinions, research, and experience dealing with the foreclosure process.  It does not constitute legal advice.  If you need legal advice specific to your personal situation, please consult an attorney.