Judicial Foreclosure

Part 1: Understanding your Bank’s Foreclosure Complaint

This is only a guide and is not to be substituted for an attorney.

There are two kinds of foreclosures. In order to defend yourself properly against your lender one must know the difference.

One type is judicial foreclosure, wherein the lender would have to file a foreclosure complaint before the court. ^{The following states have judicial foreclosure:} Arizona, New Jersey, Delaware, New Mexico, Florida, New York, Hawaii, North Dakota, Illinois, Ohio, Indiana, Oklahoma, Iowa, Pennsylvania, Kansas, South Carolina, Kentucky, South Dakota, Louisiana, Vermont, Maine, West Virginia, Nebraska, and Wisconsin.