State Foreclosure Laws

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Foreclosure happens when your mortgage lender or bank takes your house or other real property to pay off your mortgage. It's usually a complicated and long process, and each state has its own laws or statutes on how the process works - from giving you notice of your default (like a failure to make mortgage payments) to how and when your property can be sold at a foreclosure sale.

Your mortgage document and state court rules (usually called rules of civil procedure, or R. Civ. Proc.), may also control the foreclosure process.

Foreclosure Laws in Your State

Note: Some of web sites linked below won't give you the specific laws noted in the chart. When this happens, find the specific law by using the navigation or search tools on the web site you're taken to.


Statutes and Rules


Ala. Code Tit. 35, Art. 10; Ala. R. Civ. Proc.


Alaska Stat. Tit. 34, Ch. 20; Alaska R. Civ. Proc.


Ariz. Rev. Stat. §§ 33-701 et seq.; Ariz. R. Civ. Proc.


Ark. Code Ann. Tit. 18, Ch. 49, 50; Ark. R. Civ. Proc.


Cal. Civ. Code §§ 2920 et seq.; Cal. R. Civ. Proc.


Colo. Rev. Stat. Tit. 38, Arts. 37 through 40; Colo. R. Civ. Proc.


Conn. Gen. Stat. Tit. 49; Conn. R. Civ. Proc.


Del. Code Tit. 25, Ch. 21 and 16; Del. R. Civ. Proc.

District of Columbia

D.C. Code Div VII, Tit. 42, Subtit. I, Ch. 8 (DC ST § 42-801 et seq.); D.C. R. Civ. Proc.


Fla. Stat. Tit. XL, Ch. 702; Fla. R. Civ. Proc.


Ga. Code Ann. Tit. 44, Ch. 14; Ga. R. Civ. Proc.


Haw. Rev. Stat. Ch. 667; Haw. R. Civ. Proc.


Idaho Tit. 45, Ch. 13, 15, and 16; Idaho R. Civ. Proc.


765 Ill. Comp. Stat. 905 et seq.; Code of Civil Procedure (735 ILCS 5/)


Ind. Code Tit. 32, Art. 29, Tit. 32, Art. 30, Ch. 10, and Tit. 32, Art. 30, Ch. 10.5; Ind. R. Civ. Proc.


Iowa Code Tit. XV, Subtit. 5, Ch. 654; Iowa R. Civ. Proc.


Kan. Stat. Ann. Ch. 58, Art. 3, Art. 23; Kan. R. Civ. Proc.


Ky. Rev. Stat. Ch. 426; Ky. R. Civ. Proc.


La. Rev. Stat. §§ 10:9-601, 10:9-629; La. R. Civ. Proc.


Me. Rev. Stat. Tit. 14, Ch. 713 and Tit. 33, Ch. 9; Me. R. Civ. Proc.


Md. Real Prop. Code Tit. 7 and Real Prop. Code § 14-204; Md. R. Civ. Proc.


Mass. Gen. Laws Pt. III, Tit. III, Ch. 244; Mass. R. Civ. Proc.


Mich. Comp. Laws Ch. 31 (236-1961-31) and Mich. Comp. Laws § 600.6070; Mich. R. Civ. Proc.


Minn. Stat. Ch. 580, 581, and 582; Minn. R. Civ. Proc.


Miss. Code Tit. 89, Ch. 1 and Miss. Code § 11-5-111; Miss. R. Civ. Proc.


Mo. Rev. Stat. Tit. XXIX, Ch. 443; Mo. R. Civ. Proc.


Mont. Code Ann. Tit. 71; Mont. R. Civ. Proc.


Neb. Rev. Stat §§ 25-1516 et seq.; Neb. R. Civ. Proc.


Nev. Rev. Stat. §§ 40.430 et seq.; Nev. R. Civ. Proc.

New Hampshire

N.H. Rev. Stat. Ann. Tit. XLVIII, Ch. 479; N.H. R. Civ. Proc.

New Jersey

N.J. Stat. §§ 2A:15-9 et seq. and 2A:50-1 et seq.; N.J. R. Civ. Proc.

New Mexico

N.M. Stat. §§ 39-5-1 et seq., 48-7-1 et seq., and 48-10-1 et seq.; N.M. R. Civ. Proc.

New York

N.Y. Real Prop. Acts. Law Art. 13 and 16; N.Y. R. Civ. Proc.

North Carolina

N.C. Gen. Stat. Ch. 45; N.C. R. Civ. Proc.

North Dakota

N.D. Cent. Code Ch. 32-19, 35-03, and 35-22; N.D. R. Civ. Proc.


Ohio Rev. Code §§ 2323.07 and 2329.08; Ohio R. Civ. Proc.


Okla. Stat. Title 46; Okla. R. Civ. Proc.


Or. Rev. Stat. Ch. 88; Or. R. Civ. Proc.


Pa. R. Civ. Proc. 1141 et seq., 3181 et seq., and 3276 et seq.

Rhode Island

R.I. Gen. Laws Ch. 34-23, 34-26, and 34-27; R.I. R. Civ. Proc.

South Carolina

S.C. Code Tit. 29, Ch. 3, Art. 7; S.C. R. Civ. Proc.

South Dakota

S.C. Codified Laws Ch. 21-47, 21-48, 21-49, 21-50, 21-51, and 21-52; S.C. R. Civ. Proc.


Tenn. Code Tit. 21, Ch. 1, Pt. 8 and Tit. 66 Ch. 8; Tenn. R. Civ. Proc.


Tex. Prop. Code Tit. 5, Subtit. B, Ch. 51; Tex. R. Civ. Proc.


Utah Code Tit. 57, Ch. 1; Utah R. Civ. Proc.


Vt. Stat. Tit. 12, Ch. 163; Vt. R. Civ. Proc.


Va. Code Tit. 55, Ch. 4; Va. R. Civ. Proc.


Wash. Rev. Code §§ 61.12 and 61.24; Wash. R. Civ. Proc.

West Virginia

W. Va. Code Ch. 38, Art. 1; W. Va. R. Civ. Proc.


Wis. Stat. § 846.01 et seq.; Wis. R. Civ. Proc. (Wis. Stat. Ch. 801 through 847)


Wyo. Stat. Tit. 29, Ch. 1 and Tit. 34, Ch. 3 and Ch. 4; Wyo. R. Civ. Proc.

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