Most foreclosures here run by executory process: the lender shows the court an authentic act of mortgage and a judge orders seizure and sale, with no citation and nothing to answer. The sheriff seizes, waits three days, advertises, and sells about thirty days later. Whether a shortfall can follow you depends on one thing, whether the property was appraised.
Not sure what date to put in? Tell us which paper you were sent and we will work the timeline out backwards from it.
Each is a different statute.
When you first fell behind.
Local pace is the variable.
Past steps fade out.
FHA and VA add steps.
A tenant gets 90 days under federal law.
Three dates decide a Louisiana case. The notice of seizure, which starts everything. Three days later, when advertising can begin. And thirty days after the first advertisement, when the sheriff sells.
Rights that exist because the property is in Florida, whatever a servicer tells you on the phone.
Regional legal aid programmes take foreclosure cases at no cost if you qualify by income. Start at FloridaLawHelp.org, which routes you to the programme covering your county.
HUD-approved housing counsellors are free everywhere in the state — 1-800-569-4287. Several circuits also run residential foreclosure mediation; ask the clerk whether yours does.
Anyone who contacts you first, guarantees they can stop the sale for a fee paid up front, or asks you to sign the deed over is running a scam. Never sign a deed to someone promising to save your home.
Verified 8 September 2026 against the 2025 Florida Statutes and the Rules of Civil Procedure. That audit corrected ten items, including a dead citation for the deficiency limitation period, the wrong authority for the writ of possession, and a surplus claim deadline repealed in 2019. Statute text was verified; appellate case law was not, and two items — the paragraph 22 defence and current circuit mediation programmes — rest partly on secondary sources and should be confirmed by a Florida attorney before launch.
Short answers, each one sourced to the statute cited on this page.
A typical Louisiana foreclosure runs roughly 210 days from the first missed payment to the sheriff sale. In executory process the judge signs the order from the lender papers alone, the sheriff seizes, waits three days excluding holidays, and the first advertisement must run at least 30 days before the sale. La. C.C.P. art. 2331 and La. R.S. 43:203.
Not in executory process. No citation issues, so there is no answer delay. Your route is to sue to arrest the seizure and sale on narrow grounds. La. C.C.P. arts. 2640 and 2751.
Only if the property was sold after appraisal. Sold without appraisal, the lender cannot obtain a deficiency judgment. La. C.C.P. art. 2771 and La. R.S. 13:4106.
No. Louisiana gives no post-sale redemption on a mortgage foreclosure. The adjudication is final.
For tax periods from 1 January 2026, parishes auction a tax lien rather than selling the property. You keep title and clear the lien by paying the termination price: the auction amount, interest capped at 1% a month, a 5% penalty and costs. La. R.S. 47:2154 and 47:2243.
An occupant gets a notice to vacate allowing at least five days before an eviction suit. La. C.C.P. art. 4701.