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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