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Ohio Foreclosure Laws

Judicial Yes
Non-Judicial No
Process Period 217 Days
Sale Publication NA
Redemption Period None
Sale / NTS Sheriff

Judicial Foreclosures: The foreclosure process begins with the lender filing the appropriate papers with the court. The borrower is sent notice of the filing usually by certified mail. If the borrower is not located the lender must publish the notice in the local newspaper. The borrower is given 28 days to respond to the notice. If they do not respond the court can find them in default. The court allots the borrower a certain amount of time to pay the debt, and stop the foreclosure process. If the debt isnít paid then the property goes up for sale.

Non-Judicial Foreclosures: In the state of Ohio out of court proceedings are not used.

Sale: Prior to the sale the sheriff in charge of the sale process must obtain three appraisals and publish an ad in the local newspaper. The sheriff through a public auction conducts the sale. The final sale price must be at least two thirds of the appraised value, and the property is sold to the highest bidder. The court reviews the files and confirms the sale. Following the courts confirmation the ownership is transferred to the highest bidder. The borrower has no right to redeem the property after the sale.

Additional Information on Ohio Foreclosure