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Ohio Timeline for Foreclosure

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Ohio Foreclosure Timeline

Ohio has a specific timeline for the foreclosure process, which is the legal process by which a lender obtains possession of a property when the borrower defaults on their mortgage payments. It is important for homeowners to understand this timeline and their rights during this process.


The first step in the Ohio foreclosure timeline is for the lender to send a notice of default to the borrower. This notice must be in writing and must inform the borrower that they are in default on their mortgage payments and that they have a certain number of days to cure the default. If the borrower does not cure the default within the specified time frame, the lender may move forward with the foreclosure process.

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The next step in the Ohio foreclosure timeline is for the lender to file a foreclosure complaint with the court. This complaint must be served on the borrower and must contain a description of the property, the amount of the default, and the amount of any additional fees or costs that the lender is seeking.


If the borrower does not contest the foreclosure, the court will issue a judgment in favor of the lender. If the borrower does contest the foreclosure, the case may go to trial and a judge will decide the outcome (if summary judgment is not granted).


Once a judgment has been issued in favor of the lender, the lender may schedule a sale of the property to pay off the debt. This sale must be advertised in a local newspaper for at least three weeks prior to the sale date. The borrower has the right to redeem the property up until the sale date by paying the amount owed to the lender.


If the property is not redeemed before the sale, it will be sold at a public auction. The highest bidder at the auction will become the new owner of the property.


It is important for homeowners facing foreclosure to seek legal assistance as soon as possible. The attorneys at Doucet Co., LPA are experienced in handling foreclosure cases and can help homeowners understand their rights and options. If you are facing foreclosure in Ohio, don't hesitate to call us at (888)200-9824 for a free consultation.

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