Indiana homeowners have 20 calendar days to file an Answer in IN Circuit or Superior Court. IN has a 120-day pre-foreclosure notice. Here is how to respond.
Indiana is a judicial foreclosure state. Under IC 32-30-10, the lender must send a 120-day pre-foreclosure notice before filing the Complaint. 20-day deadline from service to Answer.
20 Days — IN Trial Rule 6(C)
20 calendar days from service. File in Circuit or Superior Court of the county of the property.
Check for 120-Day Pre-Suit Notice
IC 32-30-10 requires a 120-day pre-foreclosure notice with HUD counseling information. If not properly served, raise as an affirmative defense. No filing fee for Answer.
| Deadline | 20 calendar days |
| Court | IN Circuit or Superior Court |
| Key Notice | 120-day pre-foreclosure notice (IC 32-30-10) |
| Filing Fee | None for Answer |