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South Carolina Foreclosure Laws

Judicial Yes
Non-Judicial No
Process Period 150 Days
Sale Publication NA
Redemption Period None
Sale / NTS Court

Judicial Foreclosures: The lender begins the foreclosure process by filing a pending lawsuit to announce their intent to foreclose. The notice is then delivered to the borrower within 20 days. If the borrower cannot be located the notice will be published in the local newspaper for three weeks. The borrower is given 30 days to respond to the court, if the borrower cannot pay back the amount and stop the process the court will move to have the property sold.

Non-Judicial Foreclosures: In the state of South Carolina out-of-court proceedings do not occur.

Sale: A notice of sale should be posted on the county courthouse and published in the newspaper for three weeks prior to the sale date. The notice must include a description of the property, the time and location of the sale, and the names of the borrower and lender. A court officer conducts the sale; the winning bidder must provide 5 percent of the winning bid the day of the sale, and is given 20-30 days to pay the remaining amount.

In the lender chooses to reserve the right of a deficiency judgment the sale will continue for 30 days following the sale date. During this time anyone can place a bid on the property, and the court confirms the sale and ownership is transferred to the winning bidder.

Additional Information on South Carolina Foreclosure