Serving homeowners across Jackson, Clinton, Raymond, and the surrounding Hinds County communities. Mississippi handles most foreclosures through a non-judicial power-of-sale process under a deed of trust. If you have received a Notice of Default or a Notice of Sale, act promptly to protect your rights.
Mississippi law generally requires at least 21 days' notice before a foreclosure sale — time matters.
Rush response within 24 hours
In Mississippi, foreclosure generally moves through a non-judicial power-of-sale process rather than a court case. Because there is no lawsuit or summons to trigger your rights, the timing is driven by the notices you receive. Acting quickly after any notice can preserve the options available to you.
Mississippi law generally requires at least 21 days' notice before a foreclosure sale. That window closes quickly. Once the sale notice issues, time to raise defenses narrows.
Because Mississippi foreclosure is non-judicial, homeowners typically must file a civil lawsuit in MS Chancery Court to stop the sale and raise defenses. A timely filing before the auction can preserve your rights.
Once the power-of-sale auction occurs, your options narrow dramatically. Acting before the sale keeps loss mitigation and legal challenges on the table.
If any of these apply, a prompt review may help.
Mississippi is a non-judicial foreclosure state. Most foreclosures proceed under the power-of-sale clause in a deed of trust, without court involvement. Because there is no foreclosure summons, homeowners generally must file a civil lawsuit in Mississippi Chancery Court to stop the sale and raise defenses. MS law typically requires at least 21 days' notice before the sale, with publication required by statute.
Notice of Default
The lender invokes the power of sale in the deed of trust and issues a notice of default. The non-judicial process begins.
Notice of Sale & Publication
Mississippi law generally requires at least 21 days' notice before the foreclosure sale, with publication and posting as the statute requires.
Chancery Court Civil Suit
Because MS is non-judicial, a homeowner who wants to challenge the foreclosure files a civil lawsuit in Chancery Court and may seek a TRO or injunction.
Foreclosure Sale
If no challenge is filed, the property is sold at public auction under the power of sale, without routine court supervision.
The 21-day notice period is short. Once a Notice of Sale issues, prompt action is important to preserve your options.
Standing Challenge
The foreclosing party must prove the legal right to enforce the note and exercise the power of sale. Assignment defects can be challenged.
Notice & Publication Defects
MS law sets specific notice and publication standards before sale. Non-compliance with the 21-day or posting requirements may be challenged.
Servicing Violations
RESPA and Regulation X error-resolution or dual-tracking failures can be raised as counterclaims and used as leverage.
Payment & Arrears Disputes
Miscalculated arrears, misapplied payments, and improper fees that inflate the claimed default can be challenged.
Hinds County is the most populous county in Mississippi, home to the state capital of Jackson along with the communities of Clinton, Raymond, Bolton, Edwards, Utica, Learned, Terry, and the Byram and Tougaloo areas. From Jackson's urban neighborhoods to suburban and rural properties, Hinds County families face a wide mix of foreclosure situations.
Hinds County homeowners in these and surrounding areas can request a free review of their mortgage situation:
Hinds County foreclosure filings are handled through the Hinds County Chancery Court in Jackson for civil challenges to a non-judicial sale.
We help with pro se document preparation and may assist you with reviewing:
We do not promise outcomes. Each mortgage and situation is unique.
Having the right paperwork ready helps us review your situation more thoroughly. Start with whatever you can gather — don't wait to collect everything.
Start with what you have — you can add more later.
Mississippi is a non-judicial foreclosure state. Most foreclosures proceed under the power-of-sale clause in a deed of trust without court involvement. Homeowners who want to challenge the foreclosure generally file a civil lawsuit in MS Chancery Court.
Mississippi law generally requires at least 21 days' notice before a non-judicial foreclosure sale. The notice must be published and posted as required by statute.
To try to stop a MS non-judicial sale: (1) reinstate by paying the past-due amounts, (2) pursue a loan modification or workout, or (3) file a civil lawsuit in Chancery Court seeking a temporary restraining order or injunction before the auction.
Civil challenges to a Mississippi foreclosure are filed in the Hinds County Chancery Court, located in Jackson. Contact information is available through the Hinds County Chancery Clerk's office.
No. Dream Legal Solutions is a document preparation service, not a law firm. We prepare documents for pro se use. For representation, we can refer you to a licensed Mississippi attorney.
Gather your deed of trust, promissory note, latest mortgage statement, default and sale notices, trustee correspondence, payment history, income documents, and any court papers. Start with what you have.
Explore the statewide Mississippi foreclosure process and resources.
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Request a free, confidential case review today. We'll help you understand your options and next steps.
Disclaimer: Dream Legal Solutions is a document preparation service and is not a law firm. We do not provide legal advice, make guarantees, or represent clients in court. Outcomes depend on the specific facts of each case and the decisions of courts, lenders, and other parties. For legal advice or representation, please consult a licensed attorney.