questions & answers
Question: how long does the foreclosure process take before you're kicked out of your home completely?
Answer: Approximately 3.5 months after the foreclosure proceedings have commenced. (The commencement of the foreclsoure proceedings depends on the initiative of the 'bank'; some commence the foreclosure proceedings after three missed monthly payments; some banks take much longer.) Once the 'bank' begins the actual foreclosure proceedings the timeline is that the foreclsoure sale date has to be held at least 90 days after the filing with the County Recorder of the Notice of Foreclosure. And typically the sale is held three months after the filing, although the bank will grant extensions if it is working with the homeowner on a short sale or loan modificatoin. Once the foreclsoure sale is held a Trustees Deed is usually filed a day after. This transfers ownership. If the home is still occupied the bank would begin eviction proceedings. This consists of a letter telling the occupant that he or she has 5 days to leave or evicion proceedigs will commence. If the occupant has not vacated a Complaint will be filed and an eviction hearing will be held within ten days. The court would then issue an eviction order, and if the occupant has not vacated within 5 days, a writ will issue direting the constable to remove the occupant.
how long does the foreclosure process take before you're kicked out of your home completely?
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State Bar of Arizona
Maricopa County Bar
Referral number 602-257-4434
Pima County Bar
Referral number 520-623-4625
National Domestic Violence Hotline
Bankruptcy Court Self Help Center
Certified Legal Document Preparer Program