Stop foreclosure in Indiana.

How foreclosure works in Indiana

• A statutory 3-month waiting period runs between judgment and sheriff's sale
• Owner-occupants must be offered a settlement conference in many cases
• Deficiency judgments are allowed, making negotiated exits important for underwater loans

Redemption & second chances

Cure any time before the sheriff's sale; no post-sale redemption.

What this means for you

Indiana's settlement-conference right is an underused tool: it compels a real conversation with the lender before the sale. Paired with the three-month judgment-to-sale gap, prepared homeowners have room to land modifications or sell at market value.

Your options in Indiana

Every tool in the national playbook works in Indiana — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short