A trustee sale with no lawsuit, but the slowest notice rules in the country: the lender must request a resolution conference and send someone with real settlement authority, then give at least 120 days notice of the sale. You can catch up until five days before it, and no shortfall can follow you afterwards.
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 an Oregon case. The resolution conference, which has to happen before any notice of default. The notice of sale, which sets the sale at least 120 days out. And five days before the sale, when the right to catch up ends.
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for the deficiency limitation period, the wrong authority for the writ of possession, and a surplus claim deadline repealed in 2019.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 Oregon foreclosure runs roughly 270 days from the first missed payment to the trustee sale. The notice of sale must come at least 120 days before the auction. ORS 86.756.
Before foreclosing a residential trust deed the lender must request a resolution conference through a state service provider and take part with someone who has full settlement authority. Small lenders that filed 30 or fewer residential foreclosures the year before can be exempt. ORS 86.726 and 86.732.
Up to five days before the date last set for the sale, paying what is past due plus costs, with trustee and attorney fees on a home capped at $1,000 combined. ORS 86.778.
No. After a trustee sale of residential property the lender may not collect a deficiency. ORS 86.797.
No. Redemption applies only after a judicial foreclosure, where the owner has 180 days. ORS 18.964.
Taxes must be three years delinquent, and after judgment the county holds the property for two more years while you can redeem by paying the judgment, interest and a 5% penalty. ORS 312.010 and 312.120.