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South Carolina
Foreclosure Posting Requirements
All foreclosures are by Judicial process. The process is commenced by the filing of a complaitn and a lis pendens. The complaint is served generally by personal service, although service by mail or publication is occasionally allowed. The defendants have thirty (30) days to answer or face default. Upon default, the Court sets the matter for hearing before a Hearing Officer who issues the Judgment and Order for Sale. The Notice of Sale must be posted at the Courthouse for at least three (3) weeks prior to sale and be published for three (3) consecutive weeks prior to sale. There is no post-sale redemption period. Deficiency awards are generally available, but the borrower may seek to limit the size of the award if the sale price was less than the appraised value.
Foreclosure Auction Locations
Most states direct the specific location where a sheriff, trustee or creditor may conduct a foreclosure sale. Often the direction is as vague as 'any public place within the county in which the property is located.' Other times, the statute requires that a foreclosure sale only be held at the site of the property to be foreclosed. Foreclosure sales can be conducted at public auction held at the front door of a courthouse of the superior court in the judicial district where the property is located, unless the deed of trust specifically provides that the sale shall be held in a different place.
Foreclosure Timeline
Timeline StepDays for StepTotal Days
Lis Pendens filed11
Complaint filed and served1011
Default if no answer3142
Hearing held; Order of Sale issued2062
Posting and Publication2183
Sale (time dependent on deficiency sought or waived)1-3084-113

(Timeline is for non-judicial foreclosures. Intervals are optimal and assumes no delays.)
State Statutes
South Carolina Foreclosure Statutes