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Indiana Foreclosure Laws

Judicial	Yes
Non-Judicial	No
Process Period	261 Days
Sale Publication	120 Days
Redemption Period	None
Sale / NTS	Sheriff

Judicial Foreclosure: The process begins when the lender files a complaint in court against the borrower. The law does not require the lender to contact the borrower with a default notice, but most lenders do. The time period between the notice date and the date of sale is determined by the date of the mortgage. Most often it is three months, but with an older mortgage it can take 6 to 12 months. Prior to the date of sale the borrower may pay the debt and the complaint can be dismissed.

Non-Judicial Foreclosure: The state of Indiana does use an out of court foreclosure process.

Sale: An auctioneer is appointed to conduct the sale, and the notice of the sale must be published once a week for three weeks in the local newspaper. The first publication must occur 30 days before the sale, and the notice should also be posted in three public places as well as the county court house. Immediately following the sale the ownership is transferred over the winning bidder. The borrower has no right to redeem their property following the sale.

Additional Information on Indiana 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at the date first published, however you should recognize that information contained on this web-site may become out of date over time.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.