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North Dakota Foreclosure Laws

Judicial Yes
Non-Judicial No
Process Period 150 Days
Sale Publication NA
Redemption Period 180-365 Days
Sale / NTS Sheriff

Judicial Foreclosures: The lender begins the foreclosure process by sending the borrower a notice no less then 30 days before beginning the foreclosure. If the borrower cannot be located the lender will then have to publish a notice of their intent to foreclose. After the borrower has been given notice, the lender files the appropriate documents with the courts, and the court will then assess the amount of debt the borrower owes, and will give a small amount of time to pay it off. If the debt is not paid off then the property will go up for sale.

Non-Judicial Foreclosures: In the state of North Dakota an out of court proceeding is not used.

Sale: The notice of sale should be advertised and published in the local newspaper for two months prior to the sale. The sale is conducted through public auction by the county sheriff. The property will be sold to the highest bidder, and they are awarded a certificate of sale, until the borrowers redemption period has ended. The redemption period is usually six months; following this time if the debt has not been paid the sheriff will transfer ownership to the winning bidder.

Additional Information on North Dakota Foreclosure