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Foreclosure Evaluation & Ebook

  • Evaluate Your Situation (Form Below)

    Not many people know how to find the right solutions for their problem. This process will save time and answer many of your questions.

  • Explore All Possible Options

    After the evaluation, you will understand every possible option available for your exact situation. No more searching or worrying about finding a solution.

  • Avoid Further Loss or Judgments

    Regardless of what option you choose, our process takes every possible precaution to help you avoid further losses or deficiency judgments.

  • Recovery From Foreclosure

    Regardless of whether you keep your home, or walk away, we will take steps to help your credit and start the financial recovery.

  • Full Support & Accountability

    We take the problems of our visitors very seriously. We know your financial future is at risk and we pledge our full support to help you through these tough times.

Kansas Foreclosure Laws

Expected Timeline: About four months
Security Instrument: Mortgage
Type of Process: Judicial
Protections for Servicemembers: None.
Time to Respond: Twenty days to respond to foreclosure lawsuit with personal service. Forty-one days to respond to lawsuit if notice is only published. Notice of sale must be published at least three times before auction date, the last time of which must be between 7 and 14 days before sale.
Reinstatement Period: None.
Protections for High-Cost Mortgages: None.
Redemption Period: Depends on how much principal was paid on loan. If more than one-third was paid off, redemption is twelve months from date of sale. If less than one-third, redemption is three months.
Eviction Process: New owner must file petition in court for ejectment of former owners. Eviction order can come within a week or two.
Deficiency Judgments: Allowed if property sold at auction for fair market value.
Limits on Deficiency Judgments: Deficiencies are allowed, but the court can refuse to allow confirmation of the sale or set an upset price.
Cash Exempted in Bankruptcy: None.
State Statutes: Kan. Stat. Ann. § 60-2410

The Non-Judicial Foreclosure process is very rarely used in Kansas . The more common procedure is for the lender to use the Judicial Foreclosure process and sue the borrower to obtain a court order to foreclose.

Once the order to foreclose is issued, a notice of sale must be published for three (3) consecutive weeks. The final publication of the notice can not be less than seven (7) days and more than fourteen (14) days prior to the sale date. A copy of the notice of sale must be sent to the borrower no more than five (5) days after the first day it is published.

The sale of the property will take place at the county courthouse in which the property is located, unless the court orders otherwise. Either the county sheriff or an officer of the court conducts the public auction of the property.

The high bidder at the auction receives a certificate of purchase for the property. A sheriff's deed to the property will not be conveyed until the confirmation of the sale. The sheriff's deed vests good and perfect title to the purchaser upon the expiration of the borrower's redemption period.

The borrower is entitled to a six (6) or twelve (12) month redemption period, depending on the size of the property. If the property's auction price does not cover the balance due on the loan plus costs, the lender has the right to sue the borrower for a deficiency judgment.

State Website: www.kslegislature.org