Enter the dates from your foreclosure papers and see how much time you have — and what to do next.
An estimate for planning, not legal advice — timelines can vary by county and case. Confirm every date with your papers, the court, or your attorney. Free help: find a HUD-approved housing counselor.
Indiana uses a judicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Before final judgment, paying the amounts actually due (installments/arrears plus costs) requires dismissal of the foreclosure; owner-occupants also get a presuit notice and may request a court settlement conference under IC 32-30-10.5. IC 32-30-10-11; IC 32-30-10.5-8 to -10
Before the sale: Any time before the sheriff's sale: pay the judgment, interest, and costs (IC 32-29-7-7); owner keeps possession until sale.
After the sale: NONE — no statutory redemption after the sheriff's sale (IC 32-29-7-13). IC 32-29-7-7 · IC 32-29-7-13
Until the sheriff's sale — the owner holds title and can sell and keep equity any time before the auction; after the sale the deed goes to the purchaser with no redemption.
Want the fuller picture beyond the dates? Read the Indiana foreclosure guide — timeline, rights & options.
After a county tax sale, the owner generally has ONE YEAR from the date of sale to redeem (pay sale amount + statutory percentages + subsequent taxes); shorter 120-day periods apply to certain county-acquired/unsold-certificate situations. IC 6-1.1-25-4
Practitioner estimate: about 6-12 months from filing to sheriff's sale for an occupied home (3-month statutory floor + judgment + sale scheduling); uncontested cases in fast counties can be shorter. (Practitioner estimate, not a statute.)
If your mortgage predates your military service, the federal SCRA generally requires a court order to foreclose during active duty and for 12 months after (50 U.S.C. §3953). These protections must be raised — tell the court and your counselor.