Alabama

Foreclosure Overview

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State Foreclosure Rules

Non-Judicial

Trigger:

Notice of Default

Reinstatement:

No statutory right to reinstate; check mortgage terms (many allow cure up to a few days before sale).

Reinstatement window (days):

Sale notice minimum (days):

Sale notice rule:

Publish a notice of sale once a week for three successive weeks in a newspaper in the county; notice must state the time, place, terms, and describe the property.

Right of redemption:

Homestead mortgages dated on/after Jan 1, 2016: 180 days if required right-to-redeem notice was mailed; otherwise 1 year. Non-homestead/older loans: up to 1 year.

Statute

View statute →

Official state statute

Notice sequence

Timeline note

Non-judicial power-of-sale process; sale noticed by newspaper publication for 3 weeks; redemption period 180 days (certain homesteads) or up to 1 year.

What this means for you

In Alabama, foreclosure runs outside the courtroom (a trustee or attorney handles it). That usually moves faster than court cases, so dates on notices matter and the window to act can close quickly. The process starts when Non-Judicial is issued.

The state requires at least 21 days’ public notice of the sale — Publish a notice of sale once a week for three successive weeks in a newspaper in the county; notice must state the time, place, terms, and describe the property.

Reinstatement: No statutory right to reinstate; check mortgage terms (many allow cure up to a few days before sale).

Right of redemption: Homestead mortgages dated on/after Jan 1, 2016: 180 days if required right-to-redeem notice was mailed; otherwise 1 year. Non-homestead/older loans: up to 1 year.

No statutory right to reinstate; check mortgage terms (many allow cure up to a few days before sale).

We’ll use the dates on your notices to build a simple attack plan: line up the deadlines, match each one with your available moves, and make sure nothing slips.

Keep the most recent notice handy—we’ll map from its date lines.

Continue to the Playbook →

What this means for you

Alabama uses a judicial foreclosure. The lender files in court, you’re served, and the clock runs off court deadlines (responses, hearings, and orders). These cases often run longer than non-judicial ones, but missing an early response can speed things up in the wrong direction. The process begins when Notice of Default is filed/served.

Before a sale can occur, the state requires at least 21 days’ notice — Publish a notice of sale once a week for three successive weeks in a newspaper in the county; notice must state the time, place, terms, and describe the property.. Reinstatement: No statutory right to reinstate; check mortgage terms (many allow cure up to a few days before sale).. Right of redemption: Homestead mortgages dated on/after Jan 1, 2016: 180 days if required right-to-redeem notice was mailed; otherwise 1 year. Non-homestead/older loans: up to 1 year..

We’ll turn the court dates and response windows into a practical plan—what to do first, what to prepare next, and how to stay ahead of each deadline. If you’ve been served, keep the papers nearby so we can pull the key dates. Continue to the Playbook →

Alabama

Foreclosure Overview

What this means for you

What this means for you

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