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Louisiana Foreclosure Laws

Judicial Yes
Non-Judicial No
Process Period 180 Days
Sale Publication NA
Redemption Period None
Sale / NTS Sheriff

Judicial Foreclosure: In the state of Louisiana there are two types of in-court foreclosure procedures that take place; executory and ordinary. The ordinary process is often extensive the costly, and is more like a lawsuit. In this case the foreclosure process typically last about nine months.

The executory process takes place when the lender uses a mortgage, which includes an "authentic act that imparts a confession of judgment" in which the borrower has accepted the obligation under the mortgage. This is a quicker process then the ordinary as the ideal timeline is about six months.

Louisiana law does not require the lender to notify the borrower before the foreclosure process begins. However some deeds do include this requirement. The borrower is served with a demand of the default amount, and if the borrower does not present that amount within three days, the court will order a writ of seizure and sale.

Non-Judicial Foreclosure: In the state of Louisiana the out of court foreclosure process is not used.

Sale: The sheriff delivers a notice of sale to the borrower and the sale is published twice in the local newspaper. The sheriff carries out the sale, and anyone may bid including the borrower, the winning bidder must pay the sale price in cash on the day of the sale. The sheriff will then issue a deed to the winning bidder. The borrower has no redemption rights in the state of Louisiana.

Additional Information on Louisiana Foreclosure