Tennessee is a non-judicial foreclosure state. 20-day notice of sale. File civil suit in Chancery or Circuit Court to stop the sale. No right of redemption. We serve all 95 TN counties.
Non-Judicial
Deed of trust process
20-Day Notice
Before sale date
95 Counties
Chancery/Circuit Court
Civil Suit Required
To stop the sale
Tennessee has 95 counties. TN uses non-judicial foreclosure by power of sale under Tenn. Code § 35-5-101. 20-day sale notice required. File civil suit in Chancery or Circuit Court for injunction.
All 95 Tennessee counties served — Shelby, Davidson, Knox, Hamilton, Rutherford, Williamson, and all others.
TN non-judicial foreclosure by power of sale under Tenn. Code § 35-5-101. 20-day sale notice. Here's your action plan.
After default, the lender appoints a Substitute Trustee under the deed of trust. The Trustee is authorized to advertise and conduct the sale per Tenn. Code § 35-5-101.
The Trustee must publish notice for 3 consecutive weeks in a local newspaper. 20 days' notice of sale is required. Notice must specify date, time, and location of sale.
To stop the sale, file a civil suit in Chancery or Circuit Court seeking a temporary injunction. Grounds include improper notice, lack of standing, and violation of Tenn. Code § 35-5-101.
Public auction. The highest bidder receives a Trustee's Deed. TN has no statutory right of redemption. Eviction by detainer warrant follows the sale.
Tennessee is a non-judicial foreclosure state. Most foreclosures proceed through a power of sale under a deed of trust without court involvement. Homeowners must file a civil lawsuit in Chancery or Circuit Court to challenge the foreclosure and seek an injunction. TN law requires at least 20 days' notice of sale. Tennessee has 95 counties.
Notice of Default
The lender sends notice of default. The power of sale provision in the deed of trust is invoked to begin the non-judicial foreclosure process.
Notice of Sale
Tennessee law requires at least 20 days' notice before the foreclosure sale. The notice must be published in a newspaper of general circulation in the county.
Filing in Court
Because TN is non-judicial, homeowners must file a civil lawsuit in Chancery or Circuit Court seeking a temporary restraining order or injunction to stop the sale.
Foreclosure Sale
If no challenge is filed, the property is sold at public auction under the power of sale clause. The sale is conducted without court supervision.
The 20-day notice period is very short. Once the Notice of Sale is issued, immediate Chancery or Circuit Court action is essential to protect your rights.
Standing Challenge
The foreclosing party must prove legal right to enforce the note. Chain of assignment challenges can be raised in a Chancery or Circuit Court civil action.
Notice Requirements
TN law requires specific notice procedures. The 20-day notice of sale must be published as required by statute. Failure may provide grounds for challenge.
Civil Lawsuit Route
Homeowners must file a complaint in Chancery or Circuit Court alleging wrongful foreclosure, RESPA/TILA violations, or other claims to halt the non-judicial sale.
Deficiency Judgments
TN allows deficiency judgments after non-judicial sale. The lender must follow proper procedures. Amount may be limited by fair market value.
| Stage | What Happens | What You Can Do |
|---|---|---|
| Notice of Default | Lender sends default notice and accelerates loan. Power of sale provision invoked. | Contact lender for loss mitigation. Gather financial documents. Seek document preparation. |
| Notice of Sale | 20-day sale notice published in county newspaper. Sale date set. | File civil suit in Chancery/Circuit Court for injunction. Emergency document preparation. |
| Foreclosure Sale | Property sold at public auction under power of sale. | Evaluate last-resort options. Explore post-sale remedies. |
| Post-Sale | Eviction possible. Lender may seek deficiency judgment. | Deficiency defense. Post-sale legal remedies. |
Paying all past-due amounts to bring the loan current. May be available depending on deed of trust terms and stage.
Negotiating to change loan terms — lowering rates, extending term, or adding missed payments to balance.
Agreement to pay regular payment plus additional toward arrears over a set period.
Temporary pause or reduction in payments during financial hardship.
File civil suit in Chancery or Circuit Court seeking injunction to stop sale. All 95 TN counties.
Professional document preparation for TN court filings and loss mitigation applications.
Important: Dream Legal Solutions provides document preparation services. We are not a law firm. For legal advice, consult a licensed Tennessee attorney.
Dream Legal Solutions is a document preparation service with decades of experience. We help TN homeowners prepare documents to respond effectively to foreclosure.
30+ Years Nationwide
Decades of combined experience with foreclosure document preparation.
TN Process Knowledge
We understand TN's non-judicial process, 20-day notice, and Chancery/Circuit Court filing across all 95 counties.
Cost-Effective
Our services are typically more affordable than full attorney representation.
Dream Legal Solutions is not a law firm. We provide document preparation services, not legal advice. Results vary. No outcome guaranteed.
From Memphis to Nashville, Knoxville to Chattanooga.
"Received a 20-day sale notice in Shelby County. Dream Legal Solutions prepared my injunction complaint for Chancery Court in Memphis. They know Tenn. Code § 35-5-101."
— Marcus D., Memphis (Shelby County)
"After a healthcare job loss in Davidson County, the lender filed. Dream Legal Solutions prepared my documents for Nashville's Chancery Court within days."
— Sarah J., Nashville (Davidson County)
"Dream Legal Solutions helped me stop a trustee sale in Knox County. They prepared documents for the Knoxville Chancery Court with Tenn. Code arguments."
— David W., Knoxville (Knox County)
"Facing foreclosure in Hamilton County. Dream Legal Solutions prepared my injunction for the Chattanooga Chancery Court. Professional, fast, thorough."
— Robert M., Hamilton County
"Medical hardship in Rutherford County. Dream Legal Solutions prepared court papers for the Murfreesboro Chancery Court. Excellent service."
— James T., Rutherford County
"Williamson County foreclosure. Dream Legal Solutions handled documents for the Franklin Chancery Court with detailed Tenn. Code § 35-5-101 defenses."
— Emily S., Williamson County
TN uses deeds of trust. The trustee conducts the sale without court involvement under the power of sale clause.
TN law requires at least 20 days' notice before a foreclosure sale. Notice must be published in a county newspaper.
Challenges filed in Chancery or Circuit Court for the county where the property is located. TN has 95 counties.
Sale notice must be published in a newspaper of general circulation. Specific statutory requirements govern content and timing.
TN allows deficiency judgments after non-judicial sale. Lender must file separately. Amount may be limited.
Stopping a non-judicial sale requires a court-issued TRO or injunction through a civil lawsuit in Chancery or Circuit Court.
Tennessee is a non-judicial foreclosure state. Most foreclosures proceed under the power of sale clause in a deed of trust without court involvement. Homeowners must file a civil lawsuit to challenge.
Tennessee law requires at least 20 days' notice before a non-judicial foreclosure sale. The notice must be published in a newspaper of general circulation in the county.
To stop a TN non-judicial sale: (1) reinstate by paying all past-due amounts, (2) negotiate a loan modification, or (3) file a civil lawsuit in Chancery or Circuit Court seeking a TRO or injunction.
Yes, Tennessee allows deficiency judgments after non-judicial foreclosure. The lender must file a separate action and the amount may be limited by fair market value.
Foreclosure challenges are filed in Tennessee Chancery or Circuit Court for the county where the property is located. TN has 95 counties.
Essential: deed of trust and promissory note, Notice of Default, Notice of Sale, trustee correspondence, mortgage statements, payment history, and financial documentation.
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 Tennessee attorney.
With only 20 days' sale notice in TN, time is critical. Request your free, confidential case review today.
Tennessee Counties Served
Years Combined Experience
Days Notice — Act Immediately
Dream Legal Solutions is a document preparation service, not a law firm. We do not provide legal advice or representation. Results vary. No outcome guaranteed.