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Vermont Foreclosure Laws

Judicial Yes
Non-Judicial No
Process Period 95 Days
Sale Publication NA
Redemption Period 180-365 Days
Sale / NTS Court

Judicial Foreclosure: There are two types of foreclosure processes used in Vermont. One is a strict foreclosure, which is conducted through the courts. The lender begins this process by filing the appropriate documents with the court. The borrower then receives notice to report to court. If the court rules in favor of the lender, the lender can schedule sale of the property.

The other more common type of foreclosure is allowed when the mortgage permits a lender to sell the property if the borrower has defaulted. If the lender goes through the courts, the court can rule the property in foreclosure. In this case the foreclosure can also be held out of court, if the lender chooses to conduct the foreclosure out of court the borrower has a chance to stop the process by paying back the amount owed.

Non-Judicial Foreclosure: in the state of Vermont out-of-court proceedings are not used often.

Sale: A notice of sale should be sent to the borrower and be published in the local newspaper once a week for three weeks. The notice should include the lender and borrowers names, the mortgage date, as well as the time date and location of the sale. The sale is conducted through a public auction, and the property is awarded to the highest bidder. Any surplus proceeds are given to the borrower.

Additional Information on Vermont Foreclosure