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.
Wisconsin uses a judicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
No statutory arrears-only reinstatement after judgment — Wisconsin's protection is the pre-sale redemption window (846.13, full judgment amount). Before judgment, reinstatement is contractual/servicing-rule based. The trade: in the common 846.101 track the lender waives any deficiency, and the homeowner may stay in the home during the redemption period. Wis. Stat. 846.13; 846.101
Before the sale: This is Wisconsin's REAL redemption: no sale may occur for 3-12 months after judgment (typically 3 months residential post-2016 with deficiency waiver; 6 months if deficiency sought), and the owner may redeem for judgment + interest + costs the whole time, arguably until confirmation.
After the sale: None after confirmation of sale; between auction and confirmation the owner can still redeem per case law construing 846.13, and can object to confirmation on price/procedure grounds. Wis. Stat. 846.101 · Wis. Stat. 846.10 · Wis. Stat. 846.13 · Wis. Stat. 846.102
Throughout the post-judgment redemption period up to the sale/confirmation — the statute even ADDS 2 months to the pre-sale period (846.101(2)(b)2 / 846.10) when the owner is actively listing with a broker, so selling during redemption and keeping the equity is expressly contemplated.
Want the fuller picture beyond the dates? Read the Wisconsin foreclosure guide — timeline, rights & options.
County issues a tax certificate each Sept. 1 for unpaid taxes; the owner then has a 2-YEAR redemption period from certificate issuance before the county may take a tax deed (pay taxes, interest, penalties to redeem). Wis. Stat. 74.57; ch. 75 (75.14 tax deed)
Practitioner estimate: ~2-4 months from filing to judgment if uncontested, + 3-6 month redemption period + sale and confirmation — roughly 6-12 months from filing to confirmed sale for an occupied home. (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.