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Foreclosure eviction - When do you have to move out?

After the foreclosure sale on the 18th of March, how long will I have before I have to remove my possesions and vacate the property? The home is in Tampa, Florida.

Thank you.

Henry Murray

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Normally you will receive a notice to vacate the premises within a certain number of days (like 3 days), within this time limit you will have to leave.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

If you do not leave then what happens?

In such situation the new owner or the bank will approach the court and ask for a hearing to decide when you should be going through foreclosure eviction. At the time of hearing the judge will decide how long you can stay before moving out.

After the court orders your foreclosure eviction within 10 days and you do not move out within 10 days then the new owner can obtain an execution of the eviction judgment by which the sheriff would get the right to remove you from the premises. The sheriff would normally give you 24 to 72 hours for moving out.

Tommy Thurber

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Henry,

From what I know, from the day you get the foreclosure eviction notice you generally have 8 weeks which is the national average to move out before the sheriff shows up.

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helping_user's picture
helping_user | Joined: March 31, 2006 03:39 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Henry,

Under the foreclosure laws in Florida (fl foreclosure eviction laws), a home in foreclosure can be set up for auction only 65 days after the complaint is filed. At times, however, the auction can be carried out within a period of 45 days from the date of filing. So, you have a time period of 45 to 65 days within which you need to move out for the foreclosure sale to take place.

However, you may occupy the property even after the sale. But usually one gets a 3-day notice of foreclosure eviction from the new owner of the property.

Thanks.

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linkmanager1's picture
linkmanager1 | Joined: March 9, 2007 03:03 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

You can prevent from foreclosure happening to you. You need not worry too much. You are taking it as a big event, that's the matter. Take it easy. As the lenders are not in favour to obtained your property or they are not in the bussiness of owning your property.
You have to take strong decisions at this time. Go to your lenders directly and
dont deal with the bill collector. You can make a agreement about being late in payment and can adjust the matter with the lender.
You should review all the options and agreements of you plan before taking right move towards.

God may help you.
All the best.

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linkmanager1's picture
linkmanager1 | Joined: March 9, 2007 03:03 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

According to fl foreclosure eviction laws new owner gives 21 days to notify the previous owner about property being forclosed, the date and time. But he is not foreced to give the previous owner time to vacate and find new home to live in, once new owner has compleletd forclosure.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

DO I NEED TO ATTEND THE FORECLOSURE HEARING? HOW LONG AFTER FORECLOSURE DO YOU HAVE TO MOVE OUT OF THE PREMISES, LIVING IN OKLAHOMA?

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Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome KITTY.

You should attend the foreclosure hearing to protect yourself from the foreclosure or even you can work out some repayment plan. but if you don't attend the the hearing then the lender will be awarded a default judgment against you and the foreclosure process will proceed. So it is very important for the borrower to attain the foreclosure hearing.

Let me know if you have any further queries.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi i am in Florida. How long can i live in my house after forecloure auction? Ive had it for 1 year and half

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vegas_storms's picture
vegas_storms | Joined: September 12, 2008 03:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Beginning to end the mortgage foreclosure in Florida will usually run 130-140 days, that's the average, some are faster some are slower.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

how much time will they give me to move out. they are gonna forclose and haven't found out how much time they will give me. need to kinda know what to plan for

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sara's picture
sara | Joined: July 5, 2006 03:16 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

It's best to ask the lender as to how much they'll give you. But usually they allow one to stay for 3 days after the home has been sold. If you do not move out within these 3 days, you may have to go through foreclosure eviction.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I live in Illinois and my house forclosed on sept 16. How much time do I have to pac and leave the property. I also want to know who evicts you and do they issue some kind of warrant if you are still in the home?

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Maryann!

Welcome to Forums!

It depends on the lender and the buyer of the property. It is better if you leave the home immediately. However, if you request the lender and the new buyer, they may give you some time. It will be totally their discretion.

Feel free to ask if you have further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

how long do i have after date of sale oct 22, in the state of california as owner

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jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi tsehai!

The lender or the new borrower will send you a notice and may ask you to leave the house in 3 days. This is the maximum time you have. If you want some more time to leave the house, you will have to speak to the new owner of the house.

Thanks,

Jerry

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

The lender and the new buyer may ask you to leave the home immediately. They won't give you time.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I got a letter that states it is a petion to show cause. It state it is a non-jury hearing for foreclosing on my home and the court date is October 17, 2008. How long after this will I be able to stay in my home. I have four children under 12 and I am a single mother. My lender is First Franklin.

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jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Gail!

Your staying in that house will depend upon your lender. The lender can give you a 3 day notice and ask you leave the property.

Thanks,

Jerry

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

if the sale date is set for nov 17th, and its sold, isnt there a 10 day grace period to make sure everything was legally done? if this is true im wondering how long after nov. 17th i have to get my stuff out. my apt wont be ready until dec 1st. and im worried they will put a lock on the door and throw out my stuff. please help.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

my abovequestion is in florida

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

After a court ruling, the sale date occurs generally around 20-35 days after. The notice is published with the time, date, and location of the sale. For two weeks before, the notice of sale is published once a week.

The sale is usually overseen by the clerk, and normally takes place at the court house. Whoever makes the winning bid, must provide a 5 % deposit, and be able to pay the remaining balance by the end of that day. If this does not occur, a new sale date is set not less than 20 day later. A certificate of sale is given to the winning bidder.

Ten days after the sale, a transfer of ownership is given to the winning bidder, if there has been no dispute of the sale. Most of the time, the borrower has no right of redemption, once the certificate has been issued to the winning bidder. i was wondering if this is true do i still have those 10 days to move out?

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jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi mary!

It solely depends on the new buyer and your lender whether you will be permitted those 10 days. Generally, the lenders offer a 3 day notice period to the defaulter.

Thanks,

Jerry

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i just recevied a letter that says i have 20 days to respond how much time do i have in the house and how can i delay the process or try to work things out

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helping_user's picture
helping_user | Joined: March 31, 2006 03:39 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome Ricardo.

I think you've received a notice stating the lender's decision to foreclose. Is that so? You should contact the [url=http://www.mortgagefit.com/loss-mitigation.html]loss mitigation[/url] department of the mortgage company/lender and try to work out a plan with them. In case you wish to keep the home, you can negotiate for a loan modification or a forbearance to help you get current on the loan.

There are a number of loss mitigation options available. Just check them out so that you can fairly negotiate with the lender.

Thanks.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i live in florida and a 24 hour notice was placed on my door today. my house was foreclosed and now the sheriff notice say's to get out in 24 hours...do i really only hav 24hrs or do i have longer?

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Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi qwen,

You have mentioned that your house has been foreclosed upon. Can you tell me whether it is already sold or not? In case it is sold, the lender and the new buyer generally give a 3-day notice to the earlier owner to move out. If it is not sold, then you can negotiate with the lender and buy some time from him within which you will be able to move away from the property. You may even agree to pay a rent for that period of time.

In case the lender disagrees to this, then I am afraid, you will have to move out within 24 hours.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I am being forclosed on today how long do I hvae to move?

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

welcome kesha,

It will depend upon the lender. You can speak to lender and check if he allows you to stay in the property until it is sold off. Once the property is sold, the new owner and the lender will give you a 3 day notice to leave the property.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

how long do i have to vacate the property after a forclosure sale date i live in cali

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Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi tigerlily

Once the foreclosure sale is over, the new owner of the property and the lender will give you a 3 day notice. You will have to leave the property within these 3 days.

Thanks.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Business went bad, depleted savings, couldn't pay mortgage. After 3 mos. (Sept 08) bank filed complaint. We are saving every penny to move. Still no word on a hearing for motion for summary judgment. When should we expect to have a note on our door? We have children and we are concerned about their well being. How much notice do we get? 24 hours, 3 days or 10 days; I'm seem to be reading different time frames. From experience can you let us know? We are going to the hearing but none set as of yet. Can I expect a few more months?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

It has been 5 mths we are trying to do a loan modification but our lender
is taking their time We are getting nervous. How long will it take to
forecluse on our home. We live in NJ

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome mary,

Generally lenders foreclose the property if you are more than 3 months late in paying your debts. As you have already applied for a loan modification, you should contact your lender once again to check when your loan modification will be accepted.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

hi, i live in the atlanta area. my home goes to auction sale on the first tuesday of march 09. i sent the mortgage company a workable solution package but i have yet to hear from them. after the foreclosure auction how much time do i have before the sheriff comes to evict?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My bank told me I have to move out 2 weeks to 60 days after the sale date. The mortgage co. told me it is not sold yet and they are having the cops, and a lock smith give me 10 mins to get out. They said they have no time frame, will i still get the 3 day eviction? To get my stuff, I have always heard you get a 3 day notice is this true?

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi

To guest,

Once the foreclosure process is over, the lender and new buyer will give you a 3-day notice period within which you will have to leave the property.

To Anthony,

Generally the 3-day notice period is given to the previous owner once the foreclosure sale of the property is over. However, it is quite surprising that the lender is giving you 10 minutes to leave the property.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

The property which my mother in law is renting, has been foreclosed. The final judgement was 2/3/09. How long will it take from final judgement to eviction process as a tenant? Thank you.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My house has a foreclosure date of March 12, 2009 and i was wondering how long would it take for us to get evicted. We are in PG County MD
Just want to get prepared I do have kids. We just want to make easy for them. Thaks!

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Once the foreclosure sale is complete, the new owner of the property will send you a 3-day notice period. You will have to leave the property within these 3 days. If you are unable to do so, you can negotiate with the new buyer so that he/she can extend the time period.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

how much time after forclosure on 24th of March renters are pd to March 31. I live in OR and the property is in Az. I need time to get there and move before they lock the doors.?

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Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi martha

Once the foreclosure sale is over, the new owner of the property will give you a 3 day notice period in order to leave the property. You will have to leave the property within that time span. However, if you want some extra time, then you will have to negotiate with the new owner.

Thanks.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

After your 6 month free stay in Michigan when the Sheriff serves you eviction papers how long until you have to be out. My friend had her sheriff sale on October 22 and she was told to be out by Aprill 22. she is waiting on the Sheriff. I think the sheriff will pad lock it when he serves the eviction papers she thinks she may have up to 90 more days. If anyone can answer I would appreciate it.

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome Guest,

As far as I know, once the foreclosure sale is over, your friend will get a 3 day notice period. She will have to leave the property within these 3 days. If she wants some extra time to leave the property, then she will have to negotiate with the new owner.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

The property was not sold at the Sheriff Sale. She was told to call the sheriff and ask them what the procedure is and she has not done that yet. I just don't want to see her lose all her belongings if he locks it when he comes. Thank you for all your help.

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest,

A lender can foreclose the property only if she has defaulted on the mortgage payments. I would suggest that she should contact the lender and check if a loan modification is possible in her case.

If the lender does not accept a loan modification, then the property can go into foreclosure. Once the foreclosure sale is complete, she will have to leave the property within 3 days. However, if she wants to extend the time period, she can negotiate with the new buyer of the property.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I was wondering how long will they give me to move out after the hearing today and i thought when you claim bankrupty that holds off the sale of your house

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savior70's picture
savior70 | Joined: March 25, 2009 05:14 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi

Have you filed bankruptcy? If you have, then yes, it will put a stop on any legal action taken by the lender, be it foreclosure, garnishment or any other action. You won't have to vacate the property until the bankruptcy judge takes a decision. You can also stop the foreclosure and keep the house through a reaffirmation.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My lender says not to fall 3 mos. behold I don't have the cash they will foreclose in 3 days from today now what can I do or how long can I stay before the sheriff comes.

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savior70's picture
savior70 | Joined: March 25, 2009 05:14 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Gracie,

I don't think a foreclosure in three days in possible. It'll take a few months for the lender to complete the entire process of foreclosure. Even after the house has been sold off at the sheiff's auction, the borrower is generally given a redemption period of about 6 months during which he/she can reclaim the property.

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