This timeline can play out in less than 180 days! Don’t Wait … Act Immediately … Contact Your Lender !

First 30-90 Days - Owner is behind in mortgage payments.

30 Days Later - Legal proceedings begin when mortgage company files complaint.

28 Days - Owner has 28 days from receipt of complaint to respond or file an answer.

Within 5-30 Days

• Mortgage company attorney files motion for default judgment if no answer is made.
• Court can render default judgment decision.
• Attorney files motion for judgment decree in foreclosure.
• Court can render judgment decree in foreclosure decision.
• Attorney files a legal form known as a praecipe with the clerk of courts ordering the sale of the property.

Within 3 Days - Within 3 days Clerk delivers praecipe to sheriff.

During the Next 3 Months

• An appraisal is ordered and completed.
• The sale date is set.
• Sale is advertised in the Daily Reporter for 5 weeks

Day of Sale - Sheriff will auction property to highest bidder.

Within 30 to 60 Days of Sale - Confirmation of Sale (orders sheriff’s deed and gives new owner right to file for writ of possession)

14 days after confirmation of sale

• The Sheriff’s deed is issued.
• New owner files for writ of possession.

Sheriff will give you 10 – 14 days to move out of your home – this may be extended up to 30 days for hardship).

* This should not be construed as legal advice. Please contact an attorney if you require such advice.