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Florida Foreclosure Laws

Judicial	Yes
Non-Judicial	No
Process Period	135 Days
Sale Publication	NA
Redemption Period	None
Sale / NTS	Court

Judicial Foreclosures: To begin an in-court preceding the lender must file a notice of pending lawsuit. The borrower is notified in person by the lender, and in some cases by mail or publication. The borrower is then given a specific amount of time to report to the court. If they fail to do so the court will decide amount in which the borrower has defaulted on and the lender can ask the court to make a ruling. If the court rules against the borrower the court will decide on an amount owed to the lender and the foreclosure sale date. The borrower has till the date of sale to pay back the total amount and stop the foreclosure.

Non-Judicial Foreclosures: Out of court foreclosures do not occur in the state of Florida.

Sale: The date of sale usually occurs 20-30 days following the courts ruling. The clerk of court will post a notice of sale, which must include the sale, date, time, and location. This notice must be published once a week for two weeks with the second notice appearing five days prior to the sale date. Ten days after the sale a certificate of sale is issued. Following this issue the borrower is unable to redeem their property.

Additional Information on Florida Foreclosure

The information and notices contained on this website are intended as general research and information and are expressly not intended, and should not be regarded, as financial or legal advice. We attempt to ensure that the material contained on the web-site is accurate and complete at the date first published, however you should recognize that information contained on this web-site may become out of date over time. Readers who have particular questions real estate financing or foreclosure, or who believe they require legal counsel, should seek the advice of an attorney. By submitting this contact request, you are consenting to be contacted by foreclosure consultants by telephone or email, even if you have previously listed yourself on any state or federal Do-Not-Call List. Please note that Wisdom may receive compensation from the foreclosure consultants for that introduction.