|   Forgot username?   |   Forgot password?   |   New User?
Home Learning Center Data Feed Services Branding Services FAQs about us
Skip Navigation LinksHome > Learning Center Home > State Foreclosure Laws and Process
Attorney/Trustee File Number
  
ZIP Code
 
Property Address
 
Sale Date
 
Advanced Search
Alaska
Arizona
California
Hawaii
Idaho
Montana
Nevada
Oregon
Tennessee
Washington
State Foreclosure Laws and Process
Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

West Virginia
Foreclosure Posting Requirements
Foreclosures are generally by non-judicial process. Prior to commencing foreclosure, the lender must send a letter notifying the borrower of the right to cure the default for a period of ten (10) days. Once that period expires, the lender may accelerate the loan and commence foreclosure. The Foreclosure Trustee must publish notice in a newspaper of general circulation for two (2) consecutive weeks. The Foreclosure Trustee must send notice by certified mail to the borrower and any subordinate lien holders requesting notice. The burden is on the borrower and subordinate lien holders to notify the lender of any change in address. There is no post-sale redemption period. Deficiency awards are allowed, but difficult to obtain.
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
Lender sends right to cure letter; cure period runs1313
Trustee sends notice to borrower and lien holders2033
Trustee publishes notice8-148-14
Sale134

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