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Foreclosure Survival Guide
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Foreclosure Survival Guide (1st Edition)
| Topic | State Rule |
|---|---|
| Common type of foreclosure process | Judicial |
| Time to respond | Foreclosing party must serve homeowner with notice of intent to foreclose 30 to 90 days before filing the foreclosure complaint. Homeowner has 20 to 30 days to respond. |
| Reinstatement of loan before sale | Available within 30 days after homeowner is served with notice of intent to foreclose |
| Redemption after sale | Available within 60 days of foreclosure sale |
| Special protections for foreclosures involving high-cost mortgages | None |
| Special state protections for service members | None |
| Deficiency judgments | Not allowed |
| Cash exempted in bankruptcy | $7,500 for one person, $15,000 for a married couple |
| Notice to leave after house is sold | Former owner can stay in the house until redemption period ends; then the sheriff may immediately evict. |
| Foreclosure statutes | N.D. Cent. Code §§ 32-19-01 to 32-19-41 |