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FORECLOSURE TIMELINE



This timeline can play out in less than 180 days, so don't wait. Act immediately, and contact your lender.

  • First 30-90 Days
    • The owner is behind on mortgage payments.
  • 30 Days Later
    • Legal proceedings begin when the mortgage company files a complaint.
  • 28 Days
    • The owner has 28 days from receipt of a complaint to respond or file an answer. 
  • Within 5-30 Days
    • The mortgage company attorney files a motion for default judgment if no answer is made.
    • The court can render a default judgment decision.
    • The mortgage company attorney files a motion for a judgment decree in the foreclosure.
    • The court can render a judgment decree in the foreclosure decision.
    • The mortgage company attorney files a legal form known as a praecipe with the Franklin County Clerk of Courts ordering the sale of the property. 
  • Within 3 Days
    • The Clerk of Courts Office delivers the praecipe to the Franklin County Sheriff.
  • During the Next 3 Months
    • An appraisal is ordered and completed.
    • The sale date is set.
    • The sale is advertised in The Daily Reporter for 5 weeks. 
  • Day of Sale
    • The Sheriff's Office will auction the property to the highest bidder. 
  • Within 30 to 60 Days of Sale
    • Confirmation of Sale (orders Sheriff's deed and gives the new owner the right to file for a writ of possession).
    • 14 days after the Confirmation of Sale, the Sheriff's deed is issued.
    • The new owner files for a writ of possession.
    • The Sheriff's Office will give the former owner 10-14 days to move out of the home. This can be extended up to 30 days for hardship.