http://www.foreclosurefraudalert.com/GoogleSitemap.xml Foreclosure Fraud Alert-Overview Table of State's Foreclosure Methods
Foreclosure Fraud Alert
 

Types of Foreclosure by State




 Foreclosure Process Timeline

State

Security
Instrument

Foreclosure
Type

Initial
Step

# of
Months

Redemption Period

Deficiency

Alabama

Mortgage

Nonjudicial

Publication

1

12 months

Allowed

Alaska

Trust Deed

Nonjudicial

Notice of Default

3

None

Allowed

Arizona

Trust Deed

Nonjudicial

Notice of Sale

3

None

Allowed

Arkansas

Mortgage

Judicial

Complaint

4

None

Allowed

California

Trust Deed

Nonjudicial

Notice of Default

4

None

Prohibited

Colorado

Trust Deed

Nonjudicial

Notice of Default

2

75 Days

Allowed

Connecticut

Mortgage

Strict

Complaint

5

None

Allowed

Delaware

Mortgage

Judicial

Complaint

3

None

Allowed

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

 

 

Attention:  State laws change frequently.  Make sure you check for updates with your state.


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