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Foreclosure sale date set in Alabama: what you can still do
If an Alabama foreclosure sale date has been published, you may have only days or weeks. No court is watching the sale, so nothing stops it unless you pay, reach an agreement, get a court order or file bankruptcy. Even if the sale happens, Alabama's redemption right gives you one more chance.
Reviewed against Alabama law and official sources on October 11, 2026. General information, not legal advice.
Tell us your sale date
Free. A person replies with the options and official help that fit. Messages about a scheduled sale are answered first.
Options still open before a sale in Alabama
Confirm the sale is still on
Any time before the sale
The notice of sale gives the time, place and terms. Call the attorney or lender named in the notice and ask if the sale is still set for that date and time.
Ask to reinstate or pay off
The deadline your mortgage or the lender's attorney gives you
Request written reinstatement and payoff figures and ask for the last day and form of payment they will accept. Get any agreement to cancel or postpone the sale in writing.
Ask the servicer to postpone
Before the sale
If a loss mitigation application is pending, ask the servicer in writing to postpone the sale while it reviews you. Alabama statutes we read do not require a postponement.
See a lawyer about a court order
Before the sale
If the notice was not published as required or other rules were broken, a lawyer can advise whether to ask a court to stop the sale. Call Legal Services Alabama or the Alabama State Bar Lawyer Referral Service the same day.
Ala. Code §§ 35-10-9, 35-10-13
Bankruptcy
Filed before the sale is completed
A bankruptcy filing creates an automatic stay. It has serious long term effects, so speak with a bankruptcy attorney before you decide.
11 U.S.C. § 362
Plan for redemption
180 days after the sale for homestead property, 1 year for other property
If the sale cannot be stopped, protect your redemption right. Move out within 10 days of any written demand for possession and ask the buyer in writing for the redemption amount.
Ala. Code §§ 6-5-248, 6-5-251, 6-5-252
Call today, not tomorrow
With a sale on the calendar, every option above has a cutoff. A free HUD-approved housing counselor can call your servicer with you today: (800) 569-4287. For legal aid and court help, see free foreclosure help in Alabama.
Common questions in Alabama
How do I find out if my Alabama foreclosure sale was postponed?
Call the attorney or lender named in the published notice and ask. Sales are held at the courthouse door, so a postponement is not a court record. We could not confirm a state rule on how postponements must be announced.
What time of day are Alabama foreclosure auctions?
Between 11 a.m. and 4 p.m. on the sale date, at the front or main door of the county courthouse, under Ala. Code § 35-10-14.
If my Alabama home sells tomorrow, is it too late?
Not always. Alabama gives former owners 180 days for homestead property, or one year for other property, to redeem by paying the sale price, interest and lawful charges. You must leave within 10 days of a written demand for possession to keep that right.
Step by step
More on foreclosure in Alabama
Understand the process
What is happening and how much time there is.
Weigh your options
What can stop it, and what happens if it goes ahead.
Get help now
Who to call, and what to do when a sale is scheduled.
- Free foreclosure help
- A sale date is set (this page)
Free, official, nationwide
Free help anywhere in the country
HUD-approved housing counselors
Free foreclosure prevention counseling from agencies approved by the U.S. Department of Housing and Urban Development. A counselor can review your budget and deal with your servicer alongside you.
(800) 569-4287CFPB: help for struggling homeowners
Plain-language guides from the Consumer Financial Protection Bureau, and a complaint form if your mortgage servicer is not following the rules.
Legal Services Corporation: find legal aid
Find the free civil legal aid office for your county if you have been served with a foreclosure lawsuit or given a sale date and cannot afford a lawyer.
Sources for this page
- U.S. Courts: Chapter 13 Bankruptcy Basics (automatic stay)
- Code of Alabama (Alabama Legislature, ALISON): §§ 35-10-8, 35-10-12, 35-10-13, 35-10-14
- U.S. Treasury: Homeowner Assistance Fund (program ended September 30, 2026)
- CFPB: 12 C.F.R. § 1024.41 Loss mitigation procedures
- Alabama Center for Dispute Resolution: Foreclosure Prevention Mortgage Modification Mediation Program
- Alabama Attorney General: Consumer Complaint
- Alabama State Banking Department: File a Complaint
- AlabamaLegalHelp.org: Foreclosure