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USA State Foreclosure Law

State Judicial Non-
Judicial		 Comments Process
Period
(Days)		 Sale
Publication
(Days)		 Redemption
Period
(Days)		 Sale/NTS
Alabama * * Judicial not common 49-74 21 365 Trustee
Alaska * * Judicial as last alternative 105 65 365* Trustee
Arizona * * Judicial not common 90+ 41 30-180* Trustee
Arkansas * * Both are used equally 70 30 365* Trustee
California * * Judicial not common 117 21 365* Trustee
Colorado * * Judicial not common 145 60 None Trustee
Connecticut *   Judicial only 62 NA Court Decides Court
Delaware *   Judicial only 170-210 60-90 None Sheriff
District of Columbia   * Trustee Sale only 47 18 None Trustee
Florida *   Judicial only 135 NA None Court
Georgia * * Judicial not common 37 32 None Trustee
Hawaii * * Both used equally 220 60 None Trustee
Idaho * * Trustee Sale more common 150 45 365 Trustee
Illinois *   Judicial only 300 NA 90 Court
Indiana *   Judicial only 261 120 None Sheriff
Iowa * * Trustee Sale Voluntary 160 30 20 Sheriff
Kansas *   Judicial only 130 21 365 Sheriff
Kentucky *   Judicial only 147 NA 365 Court
Louisiana *   Judicial only 180 NA None Sheriff
Maine *   Judicial only 240 30 90 Court
Maryland *   Judicial only 46 30 Court Decides Court
Massachusetts *   Judicial only 75 41 None Court
Michigan   * Non-Judicial only 60 30 30-365 Sheriff
Minnesota * * Non-Judicial more common 90-100 7 1825 Sheriff
Mississippi * * Non-Judicial more common 90 30 None Trustee
Missouri * * Non-Judicial more common 60 10 365 Trustee
Montana * * Trustee Sale more common 150 50 None Trustee
Nebraska *   Judicial only 142 NA None Sheriff
Nevada * * Trustee Sale more common 116 80 None Trustee
New Hampshire   * Non-Judicial only 59 24 None Trustee
New Jersey *   Judicial only 270 NA 10 Sheriff
New Mexico *   Judicial only 180 NA 30-270 Court
New York *   Judicial only 445 NA None Court
North Carolina * * Non-Judicial more common 110 25 None Sheriff
North Dakota *   Judicial only 150 NA 180-365 Sheriff
Ohio *   Judicial only 217 NA None Sheriff
Oklahoma * * Judicial more common 186 NA None Sheriff
Oregon * * Trustee Sale more common 150 30 180 Trustee
Pennsylvania *   Judicial only 270 NA None Sheriff
Rhode Island * * Non-Judicial more common 62 21 None Trustee
South Carolina *   Judicial only 150 NA None Court
South Dakota * * Judicial more common 150 23 30-365 Sheriff
Tennessee   * Non-Judicial only 40-45 20-25 730 Trustee
Texas * * Non-Judicial more common 27 NA None Trustee
Utah     Non-Judicial only 142 NA Court Decides Trustee
Vermont *   Judicial only 95 NA 180-365 Court
Virginia * * Trustee Sale more common 45 14-28 None Trustee
Washington * * Trustee Sale more common 135 90 None Trustee
West Virginia * Trustee Sale only 60-90 30-60 None Trustee
Wisconsin * * Judicial more common 290 NA 365 Sheriff
Wyoming * * Non-Judicial more common 60 25 90-365 Sheriff


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