State foreclosure information
All 50 States

State Foreclosure Information

Every state handles foreclosure differently. Find your state to understand the foreclosure process, timelines, and your options.

Non-Judicial (24 + DC)
Judicial (26)

Find Your County Courthouse

Select your state below, then find your county to see exact courthouse address and phone number

Click Your State Below

24 + DC

Non-Judicial States

26

Judicial States

51

Total Jurisdictions

Non-Judicial Foreclosure States

Alaska

Non-Judicial

Power of Sale

Arizona

Non-Judicial

Power of Sale

California

Non-Judicial

Also allows Judicial

Colorado

Non-Judicial

Power of Sale

Idaho

Non-Judicial

Power of Sale

Illinois

Non-Judicial

Mortgage/Deed of Trust

Mississippi

Non-Judicial

Power of Sale

Missouri

Non-Judicial

Power of Sale

Montana

Non-Judicial

Power of Sale

Nevada

Non-Judicial

Deed of Trust

New Hampshire

Non-Judicial

Power of Sale

North Carolina

Non-Judicial

Power of Sale

Oregon

Non-Judicial

Power of Sale

Rhode Island

Non-Judicial

Power of Sale

South Carolina

Non-Judicial

Power of Sale

Tennessee

Non-Judicial

Power of Sale

Texas

Non-Judicial

Non-Judicial w/ 180 days

Utah

Non-Judicial

Deed of Trust

Vermont

Non-Judicial

Strict Foreclosure

Virginia

Non-Judicial

Deed of Trust

Washington

Non-Judicial

Deed of Trust

West Virginia

Non-Judicial

Deed of Trust

Wyoming

Non-Judicial

Power of Sale

District of Columbia

Non-Judicial

Deed of Trust

Judicial Foreclosure States

Alabama

Judicial

30-day Response

Arkansas

Judicial

Strict Foreclosure

Connecticut

Judicial

Strict Foreclosure

Delaware

Judicial

Strict Foreclosure

Florida

Judicial

20-day Response

Georgia

Judicial

30-day Response

Hawaii

Judicial

Strict Foreclosure

Indiana

Judicial

30-day Response

Iowa

Judicial

Strict Foreclosure

Kansas

Judicial

Strict Foreclosure

Kentucky

Judicial

20-day Response

Louisiana

Judicial

Confession of Judgment

Maine

Judicial

Strict Foreclosure

Maryland

Judicial

Direct Action

Massachusetts

Judicial

Strict Foreclosure

Michigan

Judicial

Strict Foreclosure

Minnesota

Judicial

Strict Foreclosure

Nebraska

Judicial

Strict Foreclosure

New Jersey

Judicial

35-day Response

New Mexico

Judicial

Strict Foreclosure

New York

Judicial

Strict Foreclosure

North Dakota

Judicial

Strict Foreclosure

Ohio

Judicial

Direct Action

Oklahoma

Judicial

Strict Foreclosure

Pennsylvania

Judicial

30-day Response

South Dakota

Judicial

Strict Foreclosure

Wisconsin

Judicial

Strict Foreclosure

Ready to Fight for Your Home?

Whether you're in a judicial or non-judicial state, we can help you fight foreclosure. Don't face this alone — let us review your case for free.

  • 24+ states: File civil lawsuit to force bank response
  • 26 states: Prepare your Answer and counterclaims
  • All states: Fight to cancel auction and reset your account

Non-Judicial States

In non-judicial states, the bank doesn't need to go through the court system to foreclose. They follow the "power of sale" clause in your deed of trust.

  • Bank files Notice of Default (NOD)
  • Notice of Trustee Sale published
  • Property sold at auction
  • We fight back: File civil lawsuit in county court

Judicial States

In judicial states, the bank must file a lawsuit to foreclose. You have the right to respond and defend yourself in court.

  • Bank files foreclosure lawsuit
  • You are served with Summons and Complaint
  • You must respond in 20-35 days
  • We fight back: File Answer and counterclaims

Time is Critical

If you've been served with a foreclosure lawsuit in a judicial state, you typically have only 20-35 days to file a written response. Missing this deadline means the bank wins by default. Contact us immediately.