Targeted State Articles for Borrowers Under Pressure
These guides are built around states showing meaningful current foreclosure pressure and around the file issues borrowers actually need to review: escrow shocks, payment history gaps, transfer errors, notice defects, assignments, and contract compliance.
Current Hard-Hit States (Detailed Guides)
The state cards below are the current hard-hit focus states with dedicated detailed articles. The full A-Z state baseline appears below this section.
Quick links: Go to All States A-Z section | Go to Jump-to-State index
Florida Mortgage Audit and Foreclosure Review
Escrow, insurance, and payment shock issues.
Read the guide
South Carolina Foreclosures and Escrow Increases
Escrow jumps and account review.
Read the guideTexas Foreclosure Audit for Servicing Transfer Errors
Transfer-driven account and timing problems.
Read the guideIllinois Foreclosure Audit and Payment History Review
Default math and payment-history review.
Read the guideNew Jersey Foreclosure Audit for Notice and Assignment Review
Notices, assignments, and account reconciliation.
Read the guideDelaware Foreclosure Review and Mortgage Account Pressure
High foreclosure-rate state guide focused on account review and notice issues.
Read the guideNevada Foreclosure Pressure and Mortgage Servicing Review
High-rate foreclosure state guide focused on servicing and transfer issues.
Read the guideGeorgia Foreclosure Notices and Payment History Problems
High-volume foreclosure state guide focused on notices and account numbers.
Read the guideNew York Mortgage Audit and Foreclosure Review
High-volume foreclosure state guide focused on notices, account figures, and servicing records.
Read the guideCalifornia Mortgage Audit and Foreclosure Workout Review
Workout history, servicing records, and account changes.
Read the guideOhio Foreclosure Account Errors and Notice Review
Account figures, notices, and default review.
Read the guideAll States A-Z Foreclosure Guide Baseline
Below is an A-Z educational guide for all 50 states plus the District of Columbia. Each entry is synchronized with the site's official-source reference catalog and was last reviewed August 24, 2026. Current papers, official records, and advice from an attorney licensed in the state control.
Create your Free Mortgage Audit Action Plan to organize reported concerns and evidence gaps, then review professional audit services when document-level confirmation is needed.
Jump to State
Hard-hit detailed guides are listed above. Use this index for the full A-Z baseline list below.
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Alabama
Official-source process orientation: Power-of-sale foreclosure is commonly used.
Common path: Alabama Code Title 35, Chapter 10 provides foreclosure under a power of sale contained in a mortgage or deed of trust.
Other path or important distinction: The chapter also addresses foreclosure when the security instrument contains no power of sale, so the instrument and actual notices control.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Alabama Code section 35-10-7 and Title 35, Chapter 10 - Alabama Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Alaska
Official-source process orientation: Deed-of-trust trustee sale is commonly used.
Common path: Alaska Statutes 34.20.070 through 34.20.130 provide a trustee-sale process when a deed of trust grants a power of sale.
Other path or important distinction: A mortgage foreclosure action may be used in other circumstances, so identify the security instrument and the process shown by the papers.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Alaska Statutes Title 34, Chapter 20 - Alaska Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Arizona
Official-source process orientation: Deed-of-trust trustee sale is commonly used.
Common path: Arizona Revised Statutes section 33-807 permits a trustee to sell trust property under the deed-of-trust statutes.
Other path or important distinction: The beneficiary may elect to foreclose a deed of trust as a mortgage through a court action, so the active path must be confirmed from the papers.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Arizona Revised Statutes section 33-807 - Arizona Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Arkansas
Official-source process orientation: Statutory power-of-sale foreclosure is commonly used.
Common path: Arkansas Code sections 18-50-101 and following establish a statutory foreclosure procedure for qualifying mortgages and deeds of trust.
Other path or important distinction: Arkansas law also preserves judicial foreclosure, so the instrument, notices, and any court papers must identify the active path.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Arkansas Statutory Foreclosure Act, sections 18-50-101 and following - Arkansas Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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California
Official-source process orientation: Power-of-sale foreclosure is commonly used.
Common path: California Civil Code section 2924 and related sections regulate a trustee power-of-sale process under a mortgage or deed of trust.
Other path or important distinction: The actual recorded notices and any filed papers must be used to identify the active process; this state-level summary does not establish the path in a particular matter.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- California Civil Code section 2924 - California Legislative Information
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Colorado
Official-source process orientation: Public-trustee foreclosure with court authorization.
Common path: Colorado Revised Statutes Title 38, Article 38 provides public-trustee and sheriff foreclosure procedures that may include court authorization under applicable rules.
Other path or important distinction: A judicial foreclosure path may be used in some matters, so the public-trustee record and any court papers must be checked together.
What to verify in your own records:
Use the actual notices and filed papers to identify whether the matter is using a court action, power-of-sale procedure, or a process with court or clerk oversight.
Confirm the case, trustee, clerk, recorder, mediation, sale, cancellation, and postponement information with the official record identified in the papers.
Compare all filed and recorded papers with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify the active process, current law, deadlines, rights, and available responses.
Official sources reviewed 2026-08-24:
- Colorado Revised Statutes Title 38, Article 38 - Colorado General Assembly
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Connecticut
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: Connecticut General Statutes Chapter 846 provides court procedures for mortgage foreclosure.
Other path or important distinction: Depending on the case and court order, the remedy may involve strict foreclosure or foreclosure by sale; the docket and judgment identify the actual route.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- Connecticut General Statutes Chapter 846 - Connecticut General Assembly
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Delaware
Official-source process orientation: Court-supervised scire facias mortgage foreclosure.
Common path: Delaware Code Title 10, Chapter 49, Subchapter XI provides a scire facias court process for mortgage foreclosure.
Other path or important distinction: The complaint, service record, court orders, and sheriff-sale record identify the current stage and must be reviewed directly.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- Delaware Code Title 10, Chapter 49, Subchapter XI - Delaware General Assembly
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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District of Columbia
Official-source process orientation: Power-of-sale process with notice and mediation requirements.
Common path: District of Columbia Code section 42-815 regulates a power-of-sale foreclosure and residential notice and mediation requirements.
Other path or important distinction: Court involvement can arise in some matters, so the recorded notices, mediation record, and any filed papers must be used to identify the active path.
What to verify in your own records:
Use the actual notices and filed papers to identify whether the matter is using a court action, power-of-sale procedure, or a process with court or clerk oversight.
Confirm the case, trustee, clerk, recorder, mediation, sale, cancellation, and postponement information with the official record identified in the papers.
Compare all filed and recorded papers with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify the active process, current law, deadlines, rights, and available responses.
Official sources reviewed 2026-08-24:
- District of Columbia Code section 42-815 - Council of the District of Columbia
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Florida
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: Florida Statutes Chapter 702 addresses mortgage foreclosure actions, complaints, judgments, and court-supervised sale procedures.
Other path or important distinction: The complaint, summons, docket, judgment, and clerk-sale records identify the current stage and control over a general state summary.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- Florida Statutes Chapter 702 - Foreclosure of Mortgages and Statutory Liens - Florida Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Georgia
Official-source process orientation: Power-of-sale foreclosure is commonly used.
Common path: Georgia law permits a non-court power-of-sale process when the security deed contains that authority.
Other path or important distinction: The Attorney General notes that most Georgia foreclosures are nonjudicial, but the security deed and actual notices must be checked for the specific matter.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Mortgage and Foreclosure Information - Georgia Attorney General
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Hawaii
Official-source process orientation: Judicial and power-of-sale procedures are available.
Common path: Hawaii Revised Statutes Chapter 667 contains both foreclosure by court action and nonjudicial power-of-sale procedures.
Other path or important distinction: The security instrument, notices, association status if relevant, and any court record must be used to identify which procedure is active.
What to verify in your own records:
Use the actual notices and filed papers to identify whether the matter is using a court action, power-of-sale procedure, or a process with court or clerk oversight.
Confirm the case, trustee, clerk, recorder, mediation, sale, cancellation, and postponement information with the official record identified in the papers.
Compare all filed and recorded papers with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify the active process, current law, deadlines, rights, and available responses.
Official sources reviewed 2026-08-24:
- Hawaii Revised Statutes Chapter 667 - Hawaii Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Idaho
Official-source process orientation: Deed-of-trust trustee sale is commonly used.
Common path: Idaho Code Title 45, Chapter 15 provides a power-of-sale process for trust deeds.
Other path or important distinction: A mortgage may instead be foreclosed through a court action, so identify the security instrument and the process reflected in the papers.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Idaho Code Title 45, Chapter 15 - Idaho Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Illinois
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: Article XV of the Illinois Code of Civil Procedure is the Illinois Mortgage Foreclosure Law and provides a court-supervised process.
Other path or important distinction: The complaint, parties, judgment, redemption information, sale, and confirmation status must be confirmed from the court record.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- 735 ILCS 5, Article XV - Illinois Mortgage Foreclosure Law - Illinois General Assembly
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Indiana
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: Indiana Code Title 32 includes mortgage foreclosure actions and sale procedures administered through the courts.
Other path or important distinction: The filed complaint, service, judgment, decree, and sheriff-sale record identify the current stage and must be checked directly.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- Indiana Code Title 32 - Property - Indiana General Assembly
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Iowa
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: Iowa Code Chapter 654 provides a court action for foreclosure of real estate mortgages.
Other path or important distinction: Chapter 654 also contains a voluntary nonjudicial procedure based on agreement, so the signed documents and any case record must identify the actual path.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- Iowa Code Chapter 654 - Foreclosure of Real Estate Mortgages - Iowa Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Kansas
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: Kansas statutes in Chapter 60 provide foreclosure actions, judgments, and execution-sale procedures.
Other path or important distinction: The petition, service record, judgment, order of sale, and sheriff records identify the active stage and must be checked directly.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- Kansas Statutes Chapter 60 - Procedure, Civil - Kansas Office of Revisor of Statutes
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Kentucky
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: Kentucky Revised Statutes Chapter 426 provides court-supervised enforcement and sale procedures used in mortgage foreclosure matters.
Other path or important distinction: The complaint, service, judgment, master commissioner record, and sale orders identify the actual procedure and stage.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- Kentucky Revised Statutes Chapter 426 - Kentucky General Assembly
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Louisiana
Official-source process orientation: Executory or ordinary court-supervised foreclosure.
Common path: Louisiana Code of Civil Procedure Article 2631 permits executory proceedings for seizure and sale when the required evidence and instrument support that procedure.
Other path or important distinction: An ordinary court proceeding may be used instead, so the petition, order, citation if any, and sheriff records must identify the active route.
What to verify in your own records:
Use the actual notices and filed papers to identify whether the matter is using a court action, power-of-sale procedure, or a process with court or clerk oversight.
Confirm the case, trustee, clerk, recorder, mediation, sale, cancellation, and postponement information with the official record identified in the papers.
Compare all filed and recorded papers with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify the active process, current law, deadlines, rights, and available responses.
Official sources reviewed 2026-08-24:
- Louisiana Code of Civil Procedure Article 2631 - Louisiana Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Maine
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: Maine Revised Statutes Title 14, Chapter 713 provides the foreclosure proceeding for real estate mortgages.
Other path or important distinction: The complaint, service record, mediation information if applicable, judgment, and sale record must be confirmed from the actual case.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- Maine Revised Statutes Title 14, Chapter 713 - Maine Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Maryland
Official-source process orientation: Power-of-sale process with court oversight.
Common path: Maryland Real Property sections 7-105 and 7-105.1 govern foreclosure under a power of sale or assent to decree and require court filings and court ratification of a sale.
Other path or important distinction: Owner-occupied residential cases may include additional notice, loss-mitigation, and mediation steps, so the order to docket and court record control.
What to verify in your own records:
Use the actual notices and filed papers to identify whether the matter is using a court action, power-of-sale procedure, or a process with court or clerk oversight.
Confirm the case, trustee, clerk, recorder, mediation, sale, cancellation, and postponement information with the official record identified in the papers.
Compare all filed and recorded papers with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify the active process, current law, deadlines, rights, and available responses.
Official sources reviewed 2026-08-24:
- Maryland Real Property sections 7-105 and 7-105.1 - Maryland General Assembly
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Massachusetts
Official-source process orientation: Power-of-sale foreclosure is commonly used; court procedures also exist.
Common path: Massachusetts General Laws Chapter 244 contains foreclosure under a power of sale and related statutory procedures.
Other path or important distinction: Chapter 244 also includes foreclosure by court action, so the mortgage, notices, and any filed case must identify the active path.
What to verify in your own records:
Use the actual notices and filed papers to identify whether the matter is using a court action, power-of-sale procedure, or a process with court or clerk oversight.
Confirm the case, trustee, clerk, recorder, mediation, sale, cancellation, and postponement information with the official record identified in the papers.
Compare all filed and recorded papers with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify the active process, current law, deadlines, rights, and available responses.
Official sources reviewed 2026-08-24:
- Massachusetts General Laws Chapter 244 - Massachusetts Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Michigan
Official-source process orientation: Foreclosure by advertisement is commonly used.
Common path: Michigan law provides foreclosure by advertisement under Chapter 32 of the Revised Judicature Act when the statutory conditions apply.
Other path or important distinction: Judicial foreclosure is also available, so the mortgage, recorded notices, sheriff-sale information, and any court papers must identify the active path.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Michigan Compiled Laws, Act 236 of 1961, Chapter 32 - Michigan Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Minnesota
Official-source process orientation: Foreclosure by advertisement is commonly used.
Common path: Minnesota Statutes Chapter 580 provides foreclosure by advertisement when its conditions apply.
Other path or important distinction: Chapter 581 provides foreclosure by action, so the notice record and any court case must be used to identify the active path.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Minnesota Statutes Chapter 580 - Foreclosure by Advertisement - Minnesota Office of the Revisor of Statutes
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Mississippi
Official-source process orientation: Power-of-sale foreclosure is commonly used.
Common path: Mississippi Code section 89-1-55 and related provisions address sales under powers contained in mortgages and deeds of trust.
Other path or important distinction: The security instrument, trustee appointment, notices, and any court papers must be used to identify the procedure in a particular matter.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Mississippi Code, including section 89-1-55 - Mississippi Secretary of State
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Missouri
Official-source process orientation: Deed-of-trust trustee sale is commonly used.
Common path: Missouri Revised Statutes Chapter 443 provides trustee-sale procedures for deeds of trust.
Other path or important distinction: A foreclosure suit may be used in some circumstances, so the deed of trust, notices, trustee record, and any court papers must be checked.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Missouri Revised Statutes Chapter 443 - Missouri Revisor of Statutes
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Montana
Official-source process orientation: Trust-indentured trustee sale is commonly used.
Common path: Montana Code Title 71, Chapter 1, Part 3 permits qualifying trust indentures to be foreclosed by advertisement and sale.
Other path or important distinction: Mortgage foreclosure by court action remains a different path, so the security instrument, property coverage, notices, and any filed case must be identified.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Montana Code Annotated Title 71, Chapter 1, Part 3 - Montana Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Nebraska
Official-source process orientation: Deed-of-trust trustee sale is commonly used.
Common path: Nebraska's Trust Deeds Act provides a trustee power-of-sale process when its requirements apply.
Other path or important distinction: A mortgage may be foreclosed through a court action, so the security instrument, notices, trustee record, and any case papers must identify the path.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Nebraska Trust Deeds Act - Nebraska Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Nevada
Official-source process orientation: Deed-of-trust trustee sale is commonly used.
Common path: Nevada Revised Statutes Chapter 107 contains a trustee power-of-sale process for deeds of trust.
Other path or important distinction: Chapter 107 also recognizes civil foreclosure actions, so the notice record and any court case must be used to identify the active path.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Nevada Revised Statutes Chapter 107 - Deeds of Trust - Nevada Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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New Hampshire
Official-source process orientation: Power-of-sale and court procedures are available.
Common path: New Hampshire Revised Statutes Chapter 479 includes foreclosure under a power of sale and other foreclosure modes.
Other path or important distinction: The mortgage terms, notices, registry record, and any court papers must be used to identify the procedure in a particular matter.
What to verify in your own records:
Use the actual notices and filed papers to identify whether the matter is using a court action, power-of-sale procedure, or a process with court or clerk oversight.
Confirm the case, trustee, clerk, recorder, mediation, sale, cancellation, and postponement information with the official record identified in the papers.
Compare all filed and recorded papers with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify the active process, current law, deadlines, rights, and available responses.
Official sources reviewed 2026-08-24:
- New Hampshire Revised Statutes Chapter 479 - New Hampshire General Court
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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New Jersey
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: New Jersey residential mortgage foreclosure proceeds through a Superior Court case administered under the state's foreclosure procedures.
Other path or important distinction: The complaint, service, court notices, judgment, writ, and sheriff-sale information identify the active stage and must be checked directly.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- Foreclosure in New Jersey - New Jersey Courts
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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New Mexico
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: New Mexico mortgage foreclosure matters are filed in state district court, with statewide court resources addressing foreclosure cases and settlement review.
Other path or important distinction: The complaint, service, docket, settlement activity, judgment, and sale record identify the current stage and must be checked directly.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- Foreclosure Settlement Program - New Mexico Courts
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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New York
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: New York Real Property Actions and Proceedings Law Article 13 governs actions to foreclose a mortgage.
Other path or important distinction: The summons, complaint, required notices, settlement-conference record, judgment, and sale papers identify the active stage.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- RPAPL Article 13 - Action to Foreclose a Mortgage - New York State Senate
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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North Carolina
Official-source process orientation: Power-of-sale foreclosure with clerk hearing is commonly used.
Common path: North Carolina General Statutes Chapter 45, Article 2A provides a power-of-sale process that includes findings by the clerk of superior court.
Other path or important distinction: Judicial foreclosure by action is also available, so the notice of hearing, clerk file, trustee record, and any civil case must identify the active path.
What to verify in your own records:
Use the actual notices and filed papers to identify whether the matter is using a court action, power-of-sale procedure, or a process with court or clerk oversight.
Confirm the case, trustee, clerk, recorder, mediation, sale, cancellation, and postponement information with the official record identified in the papers.
Compare all filed and recorded papers with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify the active process, current law, deadlines, rights, and available responses.
Official sources reviewed 2026-08-24:
- North Carolina General Statutes Chapter 45 - North Carolina General Assembly
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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North Dakota
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: North Dakota Century Code Chapter 32-19 authorizes an action in district court to foreclose a real estate mortgage.
Other path or important distinction: The complaint, pre-foreclosure notice, service record, judgment, sale, and redemption records identify the current stage.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- North Dakota Century Code Chapter 32-19 - North Dakota Legislative Branch
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Ohio
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: Ohio Revised Code Chapters 2323 and 2329 provide court judgment and judicial-sale procedures used in mortgage foreclosure matters.
Other path or important distinction: The complaint, court orders, judgment, judicial reports, and sale record identify the active stage and must be checked directly.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Oklahoma
Official-source process orientation: Power-of-sale foreclosure is available.
Common path: Oklahoma Statutes Title 46 authorizes a mortgage power-of-sale procedure when the mortgage grants that authority and statutory conditions apply.
Other path or important distinction: Judicial mortgage foreclosure is also available, so the mortgage, notices, county record, and any court case must identify the active path.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Oklahoma Statutes Title 46 - Mortgages - Oklahoma Senate
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Oregon
Official-source process orientation: Trust-deed foreclosure by advertisement and sale is commonly used.
Common path: Oregon Revised Statutes Chapter 86 permits a qualifying trust deed to be foreclosed by advertisement and sale.
Other path or important distinction: The beneficiary may instead use mortgage-foreclosure law, so the trust deed, resolution-conference record, notices, and any court case must identify the active path.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Oregon Revised Statutes Chapter 86 - Mortgages and Trust Deeds - Oregon Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Pennsylvania
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: Pennsylvania Rules of Civil Procedure 1141 and following govern an action of mortgage foreclosure.
Other path or important distinction: The complaint, service, court docket, judgment, writ, and sheriff-sale record identify the active stage and must be checked directly.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- 231 Pa. Code, Action of Mortgage Foreclosure - Pennsylvania Code
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Rhode Island
Official-source process orientation: Power-of-sale foreclosure is commonly used.
Common path: Rhode Island General Laws Title 34 includes mortgage power-of-sale and foreclosure-sale provisions.
Other path or important distinction: The mortgage terms, notices, mediation record if applicable, and any court papers must identify the procedure used in a particular matter.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Rhode Island General Laws Title 34, Chapter 27 - Rhode Island General Assembly
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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South Carolina
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: South Carolina Code Title 29, Chapter 3 provides mortgage foreclosure proceedings and court-supervised sale procedures.
Other path or important distinction: The complaint, service, court orders, master's record, judgment, and sale documents identify the active stage.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- South Carolina Code Title 29, Chapter 3 - South Carolina Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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South Dakota
Official-source process orientation: Foreclosure by advertisement is available.
Common path: South Dakota Codified Laws Chapter 21-48 permits foreclosure by advertisement when the mortgage contains a power of sale.
Other path or important distinction: Chapter 21-47 provides foreclosure by court action, and a mortgagor may request an action in circumstances described by law, so the papers must identify the active path.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- South Dakota Codified Laws Chapters 21-47 and 21-48 - South Dakota Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Tennessee
Official-source process orientation: Deed-of-trust trustee sale is commonly used.
Common path: Tennessee Code sections 35-5-101 and following govern nonjudicial foreclosure sales under deeds of trust.
Other path or important distinction: The deed of trust can add controlling sale terms, and any request for court relief is a separate matter, so the instrument and actual notices must be reviewed.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Tennessee nonjudicial foreclosure source review - Tennessee Administrative Office of the Courts
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Texas
Official-source process orientation: Power-of-sale foreclosure is commonly used.
Common path: Texas Property Code section 51.002 governs sales of real property under a power of sale in a deed of trust or other contract lien.
Other path or important distinction: The security instrument and lien type can require different or additional procedures, so the notices and any court papers must be checked before identifying the active path.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Texas Property Code Chapter 51 - Texas Constitution and Statutes
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Utah
Official-source process orientation: Deed-of-trust trustee sale is commonly used.
Common path: Utah Code Title 57, Chapter 1 provides a trustee-sale process for trust deeds.
Other path or important distinction: A mortgage foreclosure action is a different path, so the security instrument, recorded notice, trustee record, and any filed case must identify the active procedure.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Utah Code Title 57, Chapter 1 - Utah Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Vermont
Official-source process orientation: Judicial and nonjudicial foreclosure procedures are available.
Common path: Vermont Statutes Title 12, Chapter 172 contains strict foreclosure, foreclosure by judicial sale, and foreclosure by nonjudicial sale provisions.
Other path or important distinction: The mortgage terms, notices, and any Superior Court case must be used to identify which statutory path is active.
What to verify in your own records:
Use the actual notices and filed papers to identify whether the matter is using a court action, power-of-sale procedure, or a process with court or clerk oversight.
Confirm the case, trustee, clerk, recorder, mediation, sale, cancellation, and postponement information with the official record identified in the papers.
Compare all filed and recorded papers with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify the active process, current law, deadlines, rights, and available responses.
Official sources reviewed 2026-08-24:
- Vermont Statutes Title 12, Chapter 172 - Vermont Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Virginia
Official-source process orientation: Deed-of-trust trustee sale is commonly used.
Common path: Virginia Code Title 55.1, Chapter 3 provides sale procedures and trustee duties under deeds of trust.
Other path or important distinction: The deed of trust, appointment of trustee, notices, sale advertisement, and any court papers must be used to identify the active procedure.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Virginia Code Title 55.1, Chapter 3 - Virginia General Assembly
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Washington
Official-source process orientation: Deed-of-trust trustee sale is commonly used.
Common path: Washington Chapter 61.24 RCW governs deeds of trust and includes default notices, trustee sales, cure, and foreclosure-mediation provisions.
Other path or important distinction: Other foreclosure procedures remain available, so the deed of trust, notices, mediation record, and any court papers must identify the active path.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Chapter 61.24 RCW - Deeds of Trust - Washington State Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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West Virginia
Official-source process orientation: Deed-of-trust trustee sale is commonly used.
Common path: West Virginia Code Article 38-1 provides public trustee-sale procedures under deeds of trust after default and satisfaction of the instrument's conditions.
Other path or important distinction: The trust deed, substitute-trustee record, notices, sale report, and any court order must be checked for the specific matter.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- West Virginia Code Article 38-1 - West Virginia Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Wisconsin
Official-source process orientation: Court-supervised mortgage foreclosure.
Common path: Wisconsin Statutes Chapter 846 governs real estate mortgage foreclosure actions, judgments, and sales.
Other path or important distinction: The complaint, service, judgment, redemption information, sale order, and confirmation record identify the active stage.
What to verify in your own records:
Confirm the court, case number, complaint, service date, and every response or hearing date from the filed papers.
Confirm judgment, sale, cancellation, postponement, and redemption information directly from the current court or official sale record.
Compare the complaint and exhibits with the note, security instrument, assignments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual case.
Official sources reviewed 2026-08-24:
- Wisconsin Statutes Chapter 846 - Real Estate Foreclosure - Wisconsin Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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Wyoming
Official-source process orientation: Foreclosure by advertisement and sale is commonly used.
Common path: Wyoming Statutes Title 34, Chapter 4 provides foreclosure by advertisement under a power of sale.
Other path or important distinction: Civil-action foreclosure is also available, so the mortgage, notices, sheriff records, and any court case must identify the active path.
What to verify in your own records:
Confirm the security instrument, default or acceleration notices, sale notice, recording information, trustee or sale officer, and every stated date.
Confirm any cancellation, postponement, mediation, cure, or sale status from the official record identified in the papers.
Compare the notices with the note, security instrument, assignments, trustee appointments, payment history, loss-mitigation record, and current account figures.
Ask an attorney licensed in the state to verify current law, deadlines, rights, and available responses for the actual matter.
Official sources reviewed 2026-08-24:
- Wyoming Statutes Title 34, Chapter 4 - Wyoming Legislature
Important: This guide is a high-level educational summary, not legal advice. Verify current dates, notices, procedures, and available responses from the actual papers, current official records, and an attorney licensed in the state.
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State-By-State Process Note
Foreclosure procedures can vary by state and sometimes by process track. Use this page as a practical starting point, then verify current local rules with counsel in your jurisdiction.
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