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JustAnswer.com

What Is The Time Difference In Non-Judicial and Judicial Foreclosures?

by Helen
(Kansas City, MO)

Hi, thanks for reading and answering our question about foreclosure. So our question is, what are the time differences between a non judicial and judicial foreclosure?


Fighting Foreclosure Team responds:

Hi Helen,

When it comes to facing a foreclosure, this is one of the more important things to know because knowing how much time you have on your hands will help you to make sure that you are getting the best possible help.

Now, as far as figuring out what the exact time difference is between the non-judicial and the judicial foreclosure, it is something hat really cannot be done.

There is no set number of months that a foreclosure takes, as even two states that are both judicial states might vary in the time frame it takes.

However, you can know this, a judicial state will generally take a little longer to foreclosure in than a non-judicial state. This is because with the judicial foreclosures, the mortgage lender has to go before the courts in order to seek permission to continue with the foreclosure.

Anything involving the courts will take a little longer. With the non-judicial states, the courts do not have to be asked for permission to continue with the foreclosure proceedings.

In either state, you can object to the foreclosure, but with the non-judicial states, you would have to file suit yourself. In the judicial states, a court hearing will already be scheduled and you can make it known that you will be trying to fight the foreclosure.

Remember, this little bit of information is only the beginning of making sure that you have time to get your finances in order.

You will want to keep in communication with your mortgage company and make sure that you are taking advantage of all of the time that you have in order to make sure that you are going to have the best chance at getting all of this to end in your favor.

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