Every state handles foreclosure differently. Find your state to understand the foreclosure process, timelines, and your options.
Response within 24 hours
Response within 24 hours
Select your state to view its foreclosure process, response deadlines, and how to answer a foreclosure summons when one applies.
Last updated: August 2026
Judicial · 30-day Answer
Alabama foreclosure help →
Non-judicial · Power of Sale
Alaska foreclosure help →
Non-judicial · 90-day NOD
Arizona foreclosure help →
Judicial · 30-day Answer
Arkansas foreclosure help →
Non-judicial · 90-day NOD
California foreclosure help →
Non-judicial · Rule 120
Colorado foreclosure help →
Judicial · 30-day Answer
Connecticut foreclosure help →
Judicial · 20-day Answer
Delaware foreclosure help →
Non-judicial · 30-day notice
DC foreclosure help →
Judicial · 20-day Answer
Florida foreclosure help →
Non-judicial · 30-day notice
Georgia foreclosure help →
Judicial · 20-day Answer
Hawaii foreclosure help →
Non-judicial · 120-day notice
Idaho foreclosure help →
Judicial · 30-day Answer
Illinois foreclosure help →
Judicial · 20-day Answer
Indiana foreclosure help →
Judicial · 20-day Answer
Iowa foreclosure help →
Judicial · 20-day Answer
Kansas foreclosure help →
Judicial · 20-day Answer
Kentucky foreclosure help →
Judicial · 15-day Answer
Louisiana foreclosure help →
Judicial · 20-day Answer
Maine foreclosure help →
Judicial · 15-day Answer
Maryland foreclosure help →
Judicial & non-judicial
Massachusetts foreclosure help →
Judicial · 21-28 day Answer
Michigan foreclosure help →
Judicial & non-judicial
Minnesota foreclosure help →
Non-judicial · 21-day notice
Mississippi foreclosure help →
Non-judicial · 20-day notice
Missouri foreclosure help →
Judicial & non-judicial
Montana foreclosure help →
Judicial & non-judicial
Nebraska foreclosure help →
Non-judicial · HB 356 mediation
Nevada foreclosure help →
Non-judicial · 25-day notice
New Hampshire foreclosure help →
Judicial · 35-day Answer
New Jersey foreclosure help →
Judicial · 30-day Answer
New Mexico foreclosure help →
Judicial · 20-30 day Answer
New York foreclosure help →
Judicial & non-judicial
North Carolina foreclosure help →
Judicial · 21-day Answer
North Dakota foreclosure help →
Judicial · 28-day Answer
Ohio foreclosure help →
Judicial & non-judicial
Oklahoma foreclosure help →
Judicial & non-judicial
Oregon foreclosure help →
Judicial · 20-day Answer
Pennsylvania foreclosure help →
Judicial & non-judicial
Rhode Island foreclosure help →
Judicial · 30-day Answer
South Carolina foreclosure help →
Judicial · 30-day Answer
South Dakota foreclosure help →
Non-judicial · 20-day notice
Tennessee foreclosure help →
Non-judicial · 21-day NOS
Texas foreclosure help →
Non-judicial · 90-day NOD
Utah foreclosure help →
Judicial · 20-day Answer
Vermont foreclosure help →
Non-judicial · 14-day notice
Virginia foreclosure help →
Non-judicial · 90-day NOD
Washington foreclosure help →
Non-judicial · 30-day notice
West Virginia foreclosure help →
Judicial · 20-day Answer
Wisconsin foreclosure help →
Non-judicial · 25-day notice
Wyoming foreclosure help →
If you've been served with a foreclosure complaint in a judicial state, you have a limited time to respond. These step-by-step guides explain how to answer in each state.
Select your state below, then find your county to see exact courthouse address and phone number
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24 + DC
Non-Judicial States
26
Judicial States
51
Total Jurisdictions
Non-Judicial
Power of Sale
Non-Judicial
Power of Sale
Non-Judicial
Also allows Judicial
Non-Judicial
Power of Sale
Non-Judicial
Power of Sale
Non-Judicial
Mortgage/Deed of Trust
Non-Judicial
Power of Sale
Non-Judicial
Power of Sale
Non-Judicial
Power of Sale
Non-Judicial
Deed of Trust
Non-Judicial
Power of Sale
Non-Judicial
Power of Sale
Non-Judicial
Power of Sale
Judicial & Non-Judicial
20-Day Answer
Non-Judicial
Power of Sale
Non-Judicial
Power of Sale
Non-Judicial
Non-Judicial w/ 180 days
Non-Judicial
Deed of Trust
Non-Judicial
Strict Foreclosure
Non-Judicial
Deed of Trust
Non-Judicial
Deed of Trust
Non-Judicial
Deed of Trust
Non-Judicial
Power of Sale
Non-Judicial
Deed of Trust
Judicial
30-day Response
Judicial
Strict Foreclosure
Judicial
Strict Foreclosure
Judicial
Strict Foreclosure
Judicial
20-day Response
Judicial
30-day Response
Judicial
Strict Foreclosure
Judicial
30-day Response
Judicial
Strict Foreclosure
Judicial
Strict Foreclosure
Judicial
20-day Response
Judicial
Confession of Judgment
Judicial
Strict Foreclosure
Judicial
Direct Action
Judicial
Strict Foreclosure
Judicial
Strict Foreclosure
Judicial
Strict Foreclosure
Judicial
Strict Foreclosure
Judicial
35-day Response
Judicial
Strict Foreclosure
Judicial
Strict Foreclosure
Judicial
Strict Foreclosure
Judicial
Direct Action
Judicial
Strict Foreclosure
Judicial
30-day Response
Judicial
Strict Foreclosure
Judicial
Strict Foreclosure
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.
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.
In judicial states, the bank must file a lawsuit to foreclose. You have the right to respond and defend yourself in court.
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.
How your state's process works
State-by-state deadlines
File an Answer in judicial states
First step in non-judicial states
State mediation programs
Time-barred defenses by state
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