Foreclosure Timeline Calculators

Alabama Condo & HOA

Alabama HOA Foreclosure Timeline Calculator — § 35-10-13 Power-of-Sale (Three-Week Publication; § 6-5-247 One-Year Redemption)

Project the procedural timeline of an Alabama HOA / condominium assessment-lien foreclosure under the Alabama Uniform Condominium Act lien framework (Ala. Code § 35-8A-316) and the Alabama nonjudicial power-of-sale foreclosure regime (Ala. Code § 35-10-1 et seq.). Models § 35-10-13 three-successive-weeks publication, § 35-10-3 courthouse-door sale procedure (11 AM to 4 PM), and § 6-5-247 et seq. one-year statutory right of redemption with permitted redemptioners under § 6-5-248. Returns the recommended demand-letter and statement-of-lien dates, the earliest permissible sale date, the recommended first-publication date, and the one-year redemption end date.

Alaska Common Interest Community

Alaska CIC Foreclosure Timeline Calculator — Nonjudicial Deed-of-Trust, 90-Day Cure, 4-Week Sale Notice, No Redemption (AS 34.20.070, AS 34.20.080)

Project the procedural timeline of an Alaska common interest community assessment-lien nonjudicial deed-of-trust foreclosure under Alaska UCIOA AS 34.08.470 and the Alaska nonjudicial foreclosure framework at AS 34.20.070 et seq. Alaska permits nonjudicial foreclosure when the declaration grants power of sale; this is distinct from judicial-only states like Delaware. Models AS 34.20.070 90-day statutory cure right after recording the notice of default, AS 34.20.080 4-week sale-notice publication, and the no-post-sale-redemption framework that delivers clean title upon execution of the trustee's deed. Returns the days-delinquent count, procedural posture, cure-window end date, projected sale-notice and trustee's sale dates, and next-action recommendation.

Arizona Condo & HOA

Arizona HOA Foreclosure Timeline Calculator — ARS 33-1807(A) + Title 12 Chapter 8 (Judicial Only; 1-Year/$1,200 Prerequisite; 6-Month Redemption)

Project the Arizona HOA association judicial-foreclosure timeline under ARS 33-1807(A) (judicial foreclosure required; statutory prerequisite of 1-year delinquency or $1,200 in unpaid charges) and Title 12 Chapter 8 (Arizona judicial-foreclosure regime; ARS 12-1281 et seq.). Models the date of default, demand letter, ARS 33-1807(A) prerequisite satisfaction date, earliest permissible filing date, complaint filing in superior court, Ariz. R. Civ. P. 4 service of process, Ariz. R. Civ. P. 12(a)(1)(A) 20-day answer period, judgment of foreclosure, writ of special execution under ARS 12-1551, sheriff sale under ARS 12-1622, and the 6-month redemption period under ARS 12-1281 et seq. Returns a milestone calendar, the earliest permissible filing date, the projected sheriff sale date, and the projected redemption period expiry. Distinguishes standard county dockets (330 days) from extended-docket counties (Maricopa, Pima — 420 days). Arizona does NOT permit nonjudicial power-of-sale foreclosure for HOA assessment liens.

California HOA

California HOA Assessment Lien & Foreclosure Timeline Calculator

Walk a California HOA assessment-lien enforcement file against the Davis-Stirling Common Interest Development Act (Cal. Civ. Code §§ 4000-6150): the 30-calendar-day pre-lien collection notice under § 5660, the board-vote prerequisite under § 5673, the lien recording and 10-day post-recording notice under § 5675, the $1,800 OR 12-month nonjudicial-foreclosure threshold under § 5705, the executive-session board-vote requirement to foreclose, the 90-day reinstatement window under § 5710 after a Notice of Default is recorded, and the 90-day post-trustee's-sale redemption right under § 5715(b). Returns the cure-window end date, earliest lien-recording date, threshold-met flags, reinstatement deadline, redemption deadline, and a next-action recommendation grounded in the statute.

Colorado HOA

Colorado HOA Foreclosure Timeline Calculator — CCIOA 60-Day Notice + Public Trustee Sale

Compute the earliest permissible Public Trustee sale date and the procedural posture of a Colorado HOA assessment-lien foreclosure under CCIOA (CRS 38-33.3-316(11) 60-day pre-foreclosure notice and cure prerequisite; CRS 38-33.3-209.5 dispute-resolution prerequisite carve-out for assessment collection) and the Public Trustee Act (CRS 38-38-101 et seq.; 110-125 day sale window after Notice of Election and Demand; CRS 38-38-103 publication requirements). Returns the 60-day cure window status, the earliest NED filing date, the earliest and latest permissible sale dates, and the first-publication deadline.

Connecticut HOA

Connecticut HOA Foreclosure Timeline Calculator — Strict Foreclosure & Foreclosure by Sale

Project the procedural timeline of a Connecticut HOA / condominium assessment-lien foreclosure under CGS Sec. 47-258(m) judicial-foreclosure procedure, CGS Sec. 49-29 strict foreclosure with law days (Connecticut default), and CGS Sec. 49-24 foreclosure by sale. Returns the recommended demand-letter and lien-recording dates, projected return day, projected judgment date, and the earliest / typical / outer-bound law-day or sale-date windows for the elected procedure.

D.C. Condominium

DC Condo Foreclosure Timeline Calculator

Project the District of Columbia condominium association foreclosure timeline under DC Official Code § 42-1903.13(c)(4) (nonjudicial power-of-sale) and the § 42-1903.13(c) 60-day right-to-cure notice prerequisite, or under DC Superior Court judicial foreclosure. Returns the earliest right-to-cure close date, the projected sale date, the days-to-sale countdown, and a verdict identifying the current procedural posture.

Delaware Common Interest Community

Delaware CIC Foreclosure Timeline Calculator — Judicial-Only, 12-15 Month Timeline, 3-Day Confirmation (10 Del. C. § 5061, § 5065)

Project the procedural timeline of a Delaware common interest community assessment-lien foreclosure under DUCIOA § 81-316(j) and the Delaware judicial-foreclosure procedure of 10 Del. C. § 5061 et seq. Delaware is judicial-only for assessment liens; there is no nonjudicial power-of-sale alternative. Models the 10 Del. C. § 5061 complaint and 20-day Superior Court answer period, the typical 4-8 month pre-judgment timeline, the 60-90 day sheriff's sale lead time, and the 3-day post-sale confirmation challenge window under 10 Del. C. § 5065. Returns the days-delinquent count, procedural posture, projected judgment and sheriff's sale dates, confirmation-window end date, and next-action recommendation.

Florida HOA & Condo

Florida Association Lien & Foreclosure Timeline Calculator

Project the full collection arc on a delinquent Florida community-association account: total owed (assessments + 18% statutory interest + collection costs + attorney fees), the current procedural step on the lien-foreclosure ladder, the next-step deadline under the two 45-day notice clocks (F.S. § 718.121(4) / § 720.3085(4) pre-claim; § 718.116(6)(b) / § 720.3085(3)(d) pre-foreclosure), the typical 6–15 month judicial foreclosure window, and the safe-harbor cap on first-mortgage lender take-out under § 718.116(1)(b) / § 720.3085(2)(c).

Georgia HOA

Georgia POAA Assessment Lien & Foreclosure Calculator

Compute the total assessment-lien amount, the OCGA 44-3-232(d) four-year lien-duration window, and the projected foreclosure path (judicial in superior court versus nonjudicial power-of-sale under OCGA 44-14-160 et seq.) for a Georgia property whose declaration has been submitted to the Property Owners' Association Act (OCGA 44-3-220 to 44-3-235). Reports principal, late charges, interest, attorney fees, and dispute-fee components; the lien expiration date; days remaining in the lien window; and the next-action recommendation for the collection file.

Hawaii Condo

Hawaii Condo Foreclosure Timeline Calculator

Project the Hawaii condominium foreclosure sale date for the elected path — judicial under HRS Chapter 667 Part I (the default) or nonjudicial under HRS Chapter 667 Part II (restricted; requires recorded master agreement or owner consent). Models the HRS 514B-146.5 mandatory pre-foreclosure mediation prerequisite for the nonjudicial path with the 60-day election window and the 90-day conduct window. Returns the projected sale date, the mediation-required flag, the path-availability check, and the days-to-sale countdown.

Indiana Condo & HOA

Indiana HOA Foreclosure Timeline Calculator — Ind. Code 32-29 Judicial Foreclosure (3-Month Upset Window)

Project the procedural timeline of an Indiana HOA / condominium assessment-lien foreclosure under Ind. Code 32-25-6-3(d) (Condominium Act lien enforcement) proceeding judicially under Ind. Code 32-29 (Mortgage Foreclosure). Indiana is judicial-only for HOA assessments unless the declaration grants a power of sale to a trustee (rare). Models the Indiana Trial Rule 4 service requirements, the Trial Rule 6 answer period, the typical summary-judgment hearing window, and the statutory three-month upset window between decree and sheriff sale under Ind. Code 32-29-7-3. Returns the recommended demand-letter and statement-of-lien dates, the earliest permissible sheriff sale date from the summary-judgment date, the projected sheriff sale date from the complaint-filing date, and a procedural posture flag.

Iowa Condo & HOA

Iowa HOA Foreclosure Timeline Calculator — Judicial-Only, 10-14 Month Timeline, 6-Month or 1-Year Post-Sale Redemption (Iowa Code Chapter 654 / § 654.5)

Project the procedural timeline of an Iowa HOA assessment-lien foreclosure under Iowa Code § 499B.15 (Horizontal Property Act) and the Iowa judicial foreclosure framework at Iowa Code Chapter 654. Iowa is a JUDICIAL-ONLY foreclosure state; there is no power-of-sale pathway. Models Iowa Rule of Civil Procedure 1.303 (20-day answer period), Iowa Code § 654.20 (nonresident notice procedures), the typical 10-14 month judicial timeline under shortened six-month redemption (16-20 months under default one-year redemption), the Iowa Code § 654.5 post-sale redemption period (6 months for owner-occupied homestead / smaller agricultural; 1 year for non-homestead / larger agricultural), and the post-redemption sheriff's deed. Returns days-delinquent, procedural posture, answer deadline, projected decree date, projected sale date, redemption-period end date, and next-action recommendation.

Kentucky Condo

Kentucky Condominium Foreclosure Timeline Calculator — Judicial-Only, Master Commissioner Sale, 2/3-Appraisal Redemption (KRS Chapter 426 / § 426.530)

Project the procedural timeline of a Kentucky condominium assessment-lien foreclosure under the Kentucky Horizontal Property Law (KRS § 381.860) and the KRS Chapter 426 judicial foreclosure framework. Kentucky is EXCLUSIVELY JUDICIAL — there is no nonjudicial power-of-sale pathway. Models Kentucky Rules of Civil Procedure Rule 12.01 (20-day answer period), the typical 9-15 month judicial timeline, Master Commissioner sale procedure under KRS § 426.520 (appraisal and public-auction sale at the courthouse), and the KRS § 426.530 1-year right of redemption when the sale brings less than two-thirds of the appraised value. Returns the days-delinquent count, procedural posture, answer deadline, projected judgment date, projected Master Commissioner sale date, projected confirmation date, redemption-eligibility flag, and next-action recommendation.

Louisiana Condo

Louisiana HOA / Condominium Foreclosure Timeline Calculator — Executory Process, 4-7 Months, No Post-Sale Redemption (LSA-C.C.P. art. 2631 / LSA-R.S. 9:1123.115)

Project the procedural timeline of a Louisiana condominium assessment-privilege foreclosure under the Louisiana Condominium Act (LSA-R.S. 9:1123.115) and the civil-law executory-process framework (LSA-C.C.P. art. 2631 et seq.). Louisiana is the only US state with a streamlined civil-law executory process — the underlying authentic act of declaration confesses judgment and the court issues an order for sheriff's seizure-and-sale directly without an answer period. Models the 3-day demand for payment under LSA-C.C.P. art. 2639, the 30-day notice / advertisement period under LSA-C.C.P. art. 2722-2724, the typical 4-7 month petition-to-sale timeline, and the general no-post-sale-redemption rule for executory-process sales. Returns the days-delinquent count, procedural posture, projected sheriff sale date, and next-action recommendation.

Maine Condo

Maine Condominium Foreclosure Timeline Calculator — Judicial-Only, 12-18 Month Timeline, 90-Day Post-Judgment Redemption (14 M.R.S. § 6321 / § 6322)

Project the procedural timeline of a Maine condominium assessment-lien foreclosure under 33 M.R.S. § 1603-116(j) and the Maine judicial foreclosure framework at 14 M.R.S. § 6321 et seq. Maine ABOLISHED nonjudicial power-of-sale foreclosure decades ago; there is no power-of-sale pathway. Models Maine Rules of Civil Procedure Rule 12 (20-day answer period), 14 M.R.S. § 6321-A (mediation requirement for owner-occupied residential foreclosures), the typical 12-18 month judicial timeline, the 14 M.R.S. § 6322 90-day post-judgment redemption period, and the post-redemption foreclosure sale. Returns the days-delinquent count, procedural posture, answer deadline, projected judgment date, redemption period end date, projected sale date, and next-action recommendation.

Maryland Condo & HOA

Maryland HOA Foreclosure Timeline Calculator — 45-Day Notice of Intent + Judicial Sale

Project the procedural timeline of a Maryland HOA / condominium assessment-lien judicial foreclosure under Md. RP Sec. 11-110(j) and Sec. 11B-117, Md. RP Sec. 7-105.1 / Sec. 14-204 / 14-205 45-day notice of intent to foreclose, Md. Rules Title 14 Chapter 200 foreclosure procedure, Md. Rule 14-210 sale advertising, and Md. Rule 14-305 exceptions to sale. Returns the recommended demand-letter and statement-of-lien recording dates, the earliest permissible filing date after the notice-of-intent window, the projected judgment date, the earliest / typical / outer-bound sale dates, and the projected ratification / deed-delivery date.

Massachusetts Condo

Massachusetts Condo Foreclosure Timeline Calculator (M.G.L. c.244 §§ 14, 35A)

Compute the earliest permissible sale date for a Massachusetts condominium association power-of-sale foreclosure under M.G.L. c.244 §§ 14, 35A. Models the 90-day right-to-cure notice under § 35A, the 21-day publication window under § 14, and the 14-day mortgagor-notice deadline under § 14. Returns the earliest sale date, the cure expiration date, the earliest first-publication date, the latest mortgagor-notice deadline, and total days from first delinquency to earliest sale. Optionally validates a proposed sale date against the statutory minimums.

Michigan Condo

Michigan Condo Foreclosure Timeline Calculator — Four-Week Advertisement + Redemption (MCL Sec. 600.3208 / 600.3240)

Project the procedural timeline of a Michigan condominium assessment-lien foreclosure proceeding by advertisement under MCL Sec. 600.3201 et seq. (when the master deed grants power of sale under MCL Sec. 559.208(2)) or judicially under MCL Sec. 600.3101 et seq. Models the four consecutive weekly publications and 15-day posting under MCL Sec. 600.3208, the sheriff's sale at the courthouse under MCL Sec. 600.3216, the six- or twelve-month redemption period under MCL Sec. 600.3240, and the sheriff's-deed title-vesting under MCL Sec. 600.3236. Returns the earliest permissible sale date, the required posting deadline, and the redemption-period end date.

Minnesota Common Interest Community

Minnesota CIC Foreclosure Timeline Calculator — Six-Week Publication, Six- or Twelve-Month Redemption (Minn. Stat. Ch. 580)

Project the procedural timeline of a Minnesota common interest community assessment-lien foreclosure under MCIOA Sec. 515B.3-116(g), proceeding nonjudicially by ADVERTISEMENT under Minn. Stat. Ch. 580 (where the declaration grants a power of sale) or judicially under Minn. Stat. Ch. 581. Models the Sec. 580.03 six-week publication window and four-week owner-service lead, the Sec. 580.23 six-month default owner redemption period (twelve months for agricultural and specified property under subd. 2), and the junior-lienholder redemption sequence under Sec. 580.24. Also surfaces the recommended 90-day pre-notice mailing date to the first mortgagee under MCIOA Sec. 515B.3-116(b) that triggers the twelve-month expanded super-priority window unique to Minnesota.

Missouri Condo

Missouri Condo Foreclosure Timeline Calculator — 20-Day Notice, 21-Day Limited Redemption (Mo. Rev. Stat. Ch. 443)

Project the procedural timeline of a Missouri condominium assessment-lien foreclosure under Missouri UCA Sec. 448.3-116, proceeding nonjudicially by TRUSTEE SALE under Mo. Rev. Stat. Ch. 443 (where the declaration grants a power of sale) or judicially. Models the Sec. 443.320 20-day published notice window, the Sec. 443.325 20-day owner-service lead, the Sec. 443.380 trustee-sale procedure, and the limited 21-day owner redemption window under Sec. 443.290 (bond required; narrowly available). Missouri is the original deed-of-trust state with one of the fastest foreclosure timelines in the country.

Nevada HOA

Nevada HOA Foreclosure Timeline Calculator

Project the procedural timeline for a Nevada community-association nonjudicial foreclosure under NRS 116.31162-116.31166: thirty-day cure window after the notice of delinquent assessment under NRS 116.31162, ninety days between the notice of default and election to sell under NRS 116.31163 and the recording of the notice of sale, twenty days of publication for the notice of sale under NRS 116.31164, conduct of sale under NRS 116.31165, and the sixty-day owner-redemption period after the deed of foreclosure under NRS 116.31166 (Nevada-specific). Reports the earliest permissible notice of default date, earliest notice of sale date, earliest sale date under the statutory minimum, realistic sale date with operational slack, total days from first delinquency, and the owner-redemption deadline. Tool, not advice — Nevada nonjudicial-foreclosure procedural defects routinely void sales on owner challenge; coordinate with Nevada-licensed collection counsel and the foreclosure trustee before recording any notice.

New Hampshire Condo

New Hampshire Condominium Foreclosure Timeline Calculator — Dual Regime (Judicial OR Power-of-Sale under RSA 479)

Project the procedural timeline of a New Hampshire condominium assessment-lien foreclosure under RSA 356-B:46(V) — condominium liens are enforced in the same manner as a mortgage on real estate. New Hampshire permits BOTH judicial foreclosure in the Superior Court AND nonjudicial power-of-sale foreclosure under RSA 479 when the condominium declaration includes a power-of-sale clause. Models the RSA 479:25 notice-and-publication procedure (notice to unit owner at least 25 days before first publication; once-a-week publication for three successive weeks; minimum 21 days from first publication to sale) and the RSA 510:2 service requirements. Returns the days-delinquent count, procedural posture, recommended demand-letter and lien-recording dates, projected sale date, and next-action recommendation.

New Mexico Common Interest Community

New Mexico CIC Foreclosure Timeline Calculator — Judicial-Only, Special-Master Sale, Nine-Month Redemption (NMSA § 39-5-1 / § 39-5-18)

Project the procedural timeline of a New Mexico common-interest community assessment-lien foreclosure under the New Mexico Condominium Act (NMSA § 47-7C-316) and the New Mexico judicial-foreclosure framework at NMSA § 39-5-1 et seq. New Mexico is EXCLUSIVELY JUDICIAL — there is no nonjudicial power-of-sale pathway. Models Rule 1-012 NMRA (30-day answer period), the typical 12-15 month judicial timeline, special-master sale procedure, and the NMSA § 39-5-18 nine-month right of redemption (one of the longest in the country). Returns the days-delinquent count, procedural posture, answer deadline, projected judgment date, projected special-master sale date, projected confirmation date, redemption period end date, and next-action recommendation.

New York Condo & HOA

New York Condominium Foreclosure Timeline Calculator — RPAPL Article 13 Judicial Foreclosure

Project the New York condominium common-charge lien judicial-foreclosure timeline under RPL Sec. 339-aa (judicial enforcement) and RPAPL Article 13 (Sec. 1301-1391). New York is an EXCLUSIVELY JUDICIAL foreclosure jurisdiction — no power-of-sale enforcement permitted under any circumstance. Returns the demand-letter date, lien-recording date, service deadline (CPLR Sec. 306-b 120-day cap), projected answer deadline (CPLR Sec. 320(a)), motion-for-order-of-reference date (RPAPL Sec. 1321), referee's report date, judgment of foreclosure and sale date, and projected sale date. Typical NYC uncontested timeline 24-36 months; longer when contested.

North Carolina HOA & Condo

North Carolina HOA Foreclosure Timeline Calculator — Chapter 45 Power-of-Sale with Upset-Bid Window

Project the procedural timeline of a North Carolina HOA or condominium assessment-lien foreclosure under N.C.G.S. Sec. 47F-3-116(g) (planned community) or N.C.G.S. Sec. 47C-3-116(g) (condominium), proceeding under the N.C.G.S. Chapter 45, Article 2A power-of-sale mechanics. Models the claim-of-lien recording prerequisite, the N.C.G.S. Sec. 45-21.16 prepetition notice and clerk's hearing, the N.C.G.S. Sec. 45-21.17 publication window, the trustee's sale, and the N.C.G.S. Sec. 45-21.27 ten-day upset-bid window unique to North Carolina. Returns the earliest permissible sale date and the upset-bid deadline.

Ohio Condo

Ohio Condo Foreclosure Timeline Calculator — ORC 5311.18(B) + ORC Chapter 2329 (Judicial Only)

Project the Ohio condominium association judicial-foreclosure timeline under ORC 5311.18(B) (enforcement by judicial foreclosure in the same manner as a mortgage on real property) and ORC Chapter 2329 (Ohio judicial-foreclosure regime). Models the date of default, complaint filing in the common pleas court, Ohio Civil Rule 4 service of process, Ohio Civil Rule 12(A) 28-day answer period, judgment of foreclosure, order of sale, sheriff sale, and confirmation of sale. Returns a milestone calendar, the projected sheriff sale date, and a target-judgment-on-track flag. Distinguishes the standard county docket (270 days) from extended-docket counties (Cuyahoga, Franklin, Hamilton — 360 days). Ohio does NOT permit nonjudicial power-of-sale foreclosure for condominium assessment liens.

Oregon Condo & HOA

Oregon HOA Foreclosure Timeline Calculator — 180-Day Trust-Deed Notice (ORS 86.764)

Project the procedural timeline of an Oregon HOA / condominium assessment-lien foreclosure under PCA ORS 94.709(8) (planned community) or Condo Act ORS 100.450(8) (condominium), proceeding nonjudicially under the Oregon Trust Deed Act (ORS 86.705-86.815) or judicially under ORS Chapter 88. Models the ORS 86.752 notice of default, the ORS 86.764 180-day notice-of-default-to-sale window with 120-day notice-of-sale period, the ORS 86.778 cure cutoff 5 days before sale, the ORS 86.755(2) postponement window up to 180 days, and the ORS Chapter 105 forcible-entry-and-detainer remedy for non-vacating former owners. Returns the recommended demand-letter and lien-recording dates, the earliest permissible sale date, the recommended notice-of-sale recording date, and the cure cutoff date.

Pennsylvania Condo & HOA

Pennsylvania HOA Foreclosure Timeline Calculator — Judicial-Only (68 Pa. C.S. Sec. 5315(g) / 3315(g))

Project the procedural timeline of a Pennsylvania HOA or condominium assessment-lien foreclosure under 68 Pa. C.S. Sec. 5315(g) (UPCA) / Sec. 3315(g) (UCA), 42 Pa. C.S. Sec. 8103 judicial-foreclosure framework, and Pa. R.C.P. 1141 et seq. (action of mortgage foreclosure). Pennsylvania is JUDICIAL-ONLY for HOA assessment liens — nonjudicial / power-of-sale foreclosure is NOT available. Returns recommended demand-letter and lien-recording dates, projected answer-due and judgment dates, and the typical and outer-bound sheriff-sale and confirmation windows. Surfaces Act 6 of 1974 (35 P.S. Sec. 1681 et seq.) and Act 91 of 1983 (HEMAP) timing as context for any parallel mortgage foreclosure.

Rhode Island Condo

Rhode Island Condominium Foreclosure Timeline Calculator — Nonjudicial Power-of-Sale, 90-120 Day Timeline, No Statutory Redemption (R.I. Gen. Laws § 34-27)

Project the procedural timeline of a Rhode Island condominium assessment-lien foreclosure under R.I. Gen. Laws § 34-36.1-3.16(j) and the Rhode Island nonjudicial power-of-sale framework of R.I. Gen. Laws § 34-27. Rhode Island authorizes both judicial and nonjudicial foreclosure; nonjudicial power-of-sale is the predominant residential mechanism. Models § 34-27-4 (45-day mortgagor notice), § 34-27-3 (21-day publication of the notice of sale), the typical 90-120 day nonjudicial sale timeline, and the absence of any statutory post-sale redemption period. Returns the days-delinquent count, procedural posture, earliest permissible sale date, projected sale date, projected foreclosure-deed delivery date, and next-action recommendation.

South Carolina Condo & HOA

South Carolina HOA / Condo Foreclosure Timeline Calculator — SCRCP Rule 53 Master-in-Equity + 30-Day Upset-Bid Window

Project the South Carolina HOA or condominium judicial-foreclosure timeline from default through master's deed under SCRCP Rule 53 (reference to master-in-equity) and S.C. Code Ann. § 15-39-650 (30-day upset-bid window). South Carolina is a JUDICIAL-FORECLOSURE-ONLY state with no nonjudicial trustee-sale path — but it is widely regarded as the LENDER-FRIENDLIEST judicial state, with complete cycles commonly running 6 to 12 months from complaint to deed. Models the procedural ladder from demand letter (60 days), statement of lien recording (90 days), complaint filed, 30-day answer deadline under SCRCP Rule 12(a), reference to master-in-equity, judgment of foreclosure, public sale (commonly at the county courthouse on the first Monday of the month), 30-day upset-bid window with 5% minimum increment, and master's deed. Returns projected sale date, upset-bid deadline, posture, and next-action recommendation.

Tennessee Condo & HOA

Tennessee HOA Foreclosure Timeline Calculator — § 35-5-101 Trust-Deed Sale (20-Day Advertisement)

Project the procedural timeline of a Tennessee HOA / condominium assessment-lien foreclosure under Tenn. Code Ann. § 66-27-415(c) (Condominium Act lien enforcement in the same manner as a mortgage), proceeding nonjudicially under Tenn. Code Ann. § 35-5-101 et seq. (Tennessee deed-of-trust foreclosure) when the master deed grants power of sale, or judicially in chancery court when it does not. Models § 35-5-101 notice of default, § 35-5-104 advertisement requirement (three publications; first publication at least 20 days before sale), § 35-5-107 sale procedure at the courthouse door. Returns the recommended demand-letter and statement-of-lien dates, the earliest permissible sale date from the first advertisement publication, and the recommended first-publication date from the targeted sale.

Utah Condo & HOA

Utah HOA Foreclosure Timeline Calculator — Nonjudicial Trust-Deed Sale

Compute the projected trustee sale date and procedural posture of a Utah HOA nonjudicial trust-deed foreclosure under Utah Code § 57-1-23 et seq. (power of sale; Notice of Default; three-month cure; four-week Notice-of-Sale publication; trustee sale) and the HOA-specific authorizations under § 57-8-46(2) (condominium) and § 57-8a-302 (HOA / planned development). Returns the cure-window status, earliest first-publication date, earliest and latest permissible sale dates, and the procedural next action.

Vermont Common Interest Community

Vermont CIC Foreclosure Timeline Calculator — Judicial-Only, 90-Day Cure, 180-Day or 1-Year Redemption (12 V.S.A. § 4528, § 4530)

Project the procedural timeline of a Vermont common interest community assessment-lien foreclosure under VCIOA § 3-116(j) and the Vermont judicial-foreclosure procedure of 12 V.S.A. § 4528 et seq. Vermont strongly favors judicial foreclosure with a mandatory 90-day cure period; there is no nonjudicial power-of-sale alternative. Models the 12 V.S.A. § 4528 complaint and mandatory 90-day cure, the 12 V.S.A. § 4530 redemption period (180-day default; 1-year for owner-occupied residential property), and the projected public sale date. Returns the days-delinquent count, procedural posture, cure deadline, redemption-period end date, projected sale date, and next-action recommendation.

Washington Condo & HOA

Washington HOA Foreclosure Timeline Calculator — 190-Day Nonjudicial Sale Notice (RCW 61.24)

Project the procedural timeline of a Washington HOA / condominium assessment-lien foreclosure under WUCIOA RCW 64.90.495 (post-2018 projects) or the Washington Condominium Act RCW 64.34.364(8) (1990-2018 projects), proceeding nonjudicially under the Deed of Trust Act (RCW 61.24) or judicially under RCW 61.12. Models the RCW 61.24.030 notice of default and 30-day cure period, the RCW 61.24.040 notice of sale with the distinctive 190-day notice and 120-day publication window (the longest nonjudicial-sale notice in the country), and the RCW 61.24.050 / 61.24.060 post-sale deed and vacate deadlines. Returns the recommended demand-letter and lien-recording dates, the cure deadline, the earliest permissible sale date, the publication-window start date, and the post-sale deed and vacate deadlines.

West Virginia Common Interest Community

West Virginia CIC Foreclosure Timeline Calculator — Nonjudicial Trustee Sale, 30-Day Notice plus Publication, No Post-Sale Redemption (W. Va. Code § 38-1-1)

Project the procedural timeline of a West Virginia common interest community assessment-lien nonjudicial trustee-sale foreclosure under WVUCIOA § 36B-3-116(j) and W. Va. Code § 38-1-1 et seq. West Virginia is predominantly a nonjudicial deed-of-trust state with a 30-day written-notice requirement under W. Va. Code § 38-1-3 plus 30-day publication, sale at the front door of the courthouse under W. Va. Code § 38-1-4, and NO statutory post-sale redemption period. Returns the days-delinquent count, procedural posture, written-notice end date, publication end date, projected trustee-sale date, and next-action recommendation.

Wisconsin Condo & HOA

Wisconsin HOA Foreclosure Timeline Calculator — Wis. Stat. Ch. 846 Judicial Foreclosure (6/12-Month Redemption)

Project the procedural timeline of a Wisconsin HOA / condominium assessment-lien foreclosure under Wis. Stat. § 703.16(3) (Condominium Ownership Act lien enforcement in the same manner as a mortgage), proceeding judicially under Wis. Stat. Chapter 846. Wisconsin is a JUDICIAL-FORECLOSURE-ONLY state — nonjudicial trustee-sale foreclosure is not available. Models complaint filing, the 20-day answer period under § 802.06, judgment of foreclosure and sale, the six-month redemption election under § 846.103 (deficiency waiver; owner-occupied 20-acre-or-less property — the typical condominium-unit case) versus the twelve-month default redemption under § 846.13, and the sheriff sale. Returns the recommended demand-letter and statement-of-lien dates, the projected judgment date, redemption-period end date, and projected sheriff-sale date.

Florida Real Estate

Florida Foreclosure Defense Timeline Calculator

Project a Florida residential foreclosure end-to-end from any procedural stage: estimated months from today to sale and certificate of title under F.S. § 702 and § 45.031, the months active defense can typically buy (Florida courts run 12 to 18 months baseline; 24+ months for aggressively-defended cases), the key upcoming deadline at the current stage (20-day answer under Fla. R. Civ. P. 1.140 after service per F.S. § 48.23 lis pendens; 30-day breach-letter cure; mediation under Fla. R. Civ. P. 1.700), the loss-mitigation menu by stage (loan modification, reinstatement, short sale, deed in lieu, refinance), and the statute-of-limitations posture under F.S. § 95.11(2)(c) plus the Bartram v. U.S. Bank, 211 So. 3d 1009 (Fla. 2016) payment-by-payment doctrine.

Florida Real Estate

Florida Foreclosure Right of Redemption Calculator

F.S. § 45.0315 gives a Florida foreclosure-sale debtor a narrow window to redeem the property AFTER the foreclosure sale but BEFORE the certificate of title issues — typically 10 days under F.S. § 45.031(5). This calculator computes the redemption amount (winning sale bid + court costs + sheriff costs + clerk's redemption fee) and the days remaining in the window, and surfaces a recommendation based on whether the property is equity-positive against the redemption amount (redemption preserves real value) or underwater (the realistic path is to walk away and pursue F.S. § 45.032 surplus funds). Florida is not a long-tail-redemption state — there is no 30-day, 6-month, or 1-year statutory redemption like several other jurisdictions; the window is narrow and closes when the certificate of title issues.