What happens in foreclosure proceedings?

If the Court finds that the mortgagor is in default of the mortgage payments, final judgment will be issued in favor of the creditor. The final judgment sets forth the costs due to the plaintiff, such as principal charges, interest, costs of the suit, and attorney's fees.

In addition to the assessment of costs, the final judgment will list instructions for the sale of the mortgaged property at a public auction. The final judgment will include: 

  • A description of the property to be sold
  • The time, place, and date of the sale
  • The amount due on the mortgage
  • Instructions to the Clerk's Office regarding distribution of the proceeds of the sale if someone other than the creditor is the successful bidder

Show All Answers

1. Where do I file a foreclosure action?
2. Where can I view foreclosure cases?
3. What happens in foreclosure proceedings?
4. What is done prior to the foreclosure sale?
5. May a person who is not involved in the foreclosure lawsuit bid on the property?
6. When and where are mortgage foreclosure sales held?
7. How are online foreclosure sales conducted?
8. How are in-person foreclosure sales conducted?
9. When is the Certificate of Title issued?