In MN, what is the law about how long it takes for a house to be foreclosed upon?

Asked by KateFasanella1, Plymouth, MN Wed Jul 10, 2013

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Sue Archer R…, Agent, Palm Harbor, FL
Wed Jul 10, 2013
I believe the foreclosure process takes the same in all states...a total of 111 days. But understand this, by not paying your mortgage gives the lender the OPTION to foreclose. That foreclosure proceeding can take a minimum of 111 days but the lender can choose to delay it or not do it at all. In California statistics show the average foreclosure is 335 days.
Someone once asked if they could 'compel' the lender to foreclose. No, you can't. You have liability on the property until such time that the lender CHOOSES to execute their foreclosure option. Until such time, if someone trips or falls, you are liable. If your county or city files penalties against the property for it not being maintained you are liable.
With all of the options available, why would you not short sale the home instead? Take control of the timing of the process, have better results in terms of its affect on your credit, job opportunities and peace of mind, and be able to move on without fear of further collections from unpaid billings during the time that you owned the property. In a short sale, all bills are cleared. Go to for options available to you. Good luck.
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Jim Walker, Agent, Carmichael, CA
Wed Jul 10, 2013
The zip codes for Plymouth, Minnesota are: 55446,55442,55447,55441.
This question was placed into the wrong zip code in California
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