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South Dakota Foreclosure Laws

Judicial	Yes
Non-Judicial	Yes
Process Period	150 Days
Sale Publication	23 Days
Redemption Period	30-265 Days
Sale / NTS	Sheriff

Judicial Foreclosure and Non-Judicial Foreclosure: The foreclosure process begins when the lender submits a complaint in court of the borrowers default. Usually the borrower is given 30 days to respond to the court before the foreclosure process is continued. The lender is not required by law to send notice to the borrower though some mortgages may require it.

Sale: Once the court rules that the foreclosure process can continue, a notice of sale is published the local newspaper. The notice of sale must also be delivered to the borrower at least 21 days prior to the date of sale. The sheriff conducts the sale; anyone can bid on the property including the lender. The highest bidder is awarded the property and given a sale certificate. The transfer of ownership is done following the end of the borrowers redemption period, which usually lasts up to six months.

Additional Information on South Dakota Foreclosure

HUD resources for South Dakota residents

The information and notices contained on this website are intended as general research and information and are expressly not intended, and should not be regarded, as financial or legal advice. We attempt to ensure that the material contained on the web-site is accurate and complete at the date first published, however you should recognize that information contained on this web-site may become out of date over time. Readers who have particular questions real estate financing or foreclosure, or who believe they require legal counsel, should seek the advice of an attorney. By submitting this contact request, you are consenting to be contacted by foreclosure consultants by telephone or email, even if you have previously listed yourself on any state or federal Do-Not-Call List. Please note that Wisdom may receive compensation from the foreclosure consultants for that introduction.