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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