Kansas Foreclosure Laws

In order for a lender to get a foreclosure in the state of Kansas they have to sue under what is known as a judicial foreclosure, the non-judicial method of foreclosing is not allowed here. The state does offer the right of redemption for the borrower and the right to file for a deficiency judgement for the lender. The length of time that it takes a foreclosure to be completed here is about 120 days fro the time it is started.

Once the legal system has issued a lender the foreclosure right, they have to post a notice of sale in a local paper for three weeks in succession. The last date of publication has to be no less that 7 days and no more than 14 days before the scheduled date of sale on the property.

A copy of this notice of sale also has to be sent to the borrower. This has to be done no more than five days after the initial publication of the notice in the newspaper.

If the court has not made other orders with regards to the sale, it will take place at the courthouse in the county in which the property is located. It will be in the form of a public auction, which shall be administered by the sheriff and / or an officer of the court.

The person buying it will get a certificate of purchase and once that is confirmed by the court a sheriff’s deed. This shall be the title to the property upon expiration of the right of redemption

Depending upon the size of the mortgage, the borrower has six or twelve months to redeem the property.

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