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Alaska · Weigh your options

How to stop a foreclosure in Alaska

Alaska gives you a strong right to cure: until the sale, you can stop a trustee foreclosure by paying only what is past due plus actual fees and costs. Other options are a loss mitigation agreement with your servicer, a court order, or bankruptcy. After a trustee's sale there is normally no way to get the home back.

Ask for help in Alaska Free HUD counselor: (800) 569-4287

Reviewed against Alaska law and official sources on October 11, 2026. General information, not legal advice.

Ways to stop or delay a foreclosure in Alaska

  • Cure the default

    Any time before the sale date, including a postponed date

    Pay the amount in default, not counting principal that is not yet due, plus the attorney and foreclosure fees and costs actually incurred. Ask the trustee named in the Notice of Default for the exact figure in writing.

    Alaska Stat. § 34.20.070(b), (e)

  • Know the repeat default limit

    Before you rely on a cure

    If a Notice of Default was recorded and cured two or more times before under the same deed of trust, the trustee may refuse your payment and go ahead with the sale.

    Alaska Stat. § 34.20.070(b)

  • Apply for loss mitigation

    A complete application more than 37 days before the sale gets the most federal protection

    Send your servicer a complete application for a modification, repayment plan or other option, and keep proof. Alaska has no state mediation program that we could find, so this is done directly with the servicer.

    12 C.F.R. § 1024.41

  • Ask a court to stop the sale

    Before the sale

    Alaska law lists who may sue to enjoin a foreclosure, including the borrower, a guarantor, heirs and people with recorded interests. If the default is not about money, the court can set conditions to protect the lender.

    Alaska Stat. § 34.20.070(l), (m)

  • File bankruptcy

    Before the sale is completed

    A bankruptcy filing triggers an automatic stay that stops a foreclosure while it is in effect. The U.S. Courts warn you can still lose the home if the sale is completed before you file. Talk to a bankruptcy attorney first.

    11 U.S.C. § 362

  • Redemption in a court foreclosure only

    12 months after the order confirming the sale

    If the lender sued instead of using a trustee's sale, you can redeem before confirmation or within 12 months after it. This does not apply to a trustee's sale unless your deed of trust says so.

    Alaska Stat. §§ 09.35.250, 34.20.090(a)

What Alaska law gives you

The right to catch up and stop the sale

Right to reinstate

If the default is missed payments, you can cure it at any time before the sale date, including a postponed sale date, by paying the amount then past due plus the actual attorney and foreclosure fees and costs. You do not have to pay principal that is not yet due. The trustee may refuse if a notice of default has already been recorded and cured two or more times under the same deed of trust.

Alaska Stat. § 34.20.070(b), (e)

Foreclosure mediation

No statewide program

We did not find a statewide or court foreclosure mediation program in Alaska. You can still ask your servicer for a loss mitigation review, and a HUD approved housing counselor or Alaska Legal Services can help you with that request.

Right to cure with past due amount only

Before the sale you can stop the foreclosure by paying what is past due plus actual fees and costs, not the full loan balance. The notice of default must tell you this.

Alaska Stat. § 34.20.070(b), (e)

No deficiency after a trustee's sale

When the home is sold by a trustee without a court case, no further action or judgment for a deficiency is allowed on the debt the deed of trust secured.

Alaska Stat. § 34.20.100

Right to ask a court to stop a sale

The borrower, a guarantor, an heir and certain others with a recorded interest are allowed to bring a court action to stop a foreclosure sale.

Alaska Stat. § 34.20.070(l)

Limit on how long a sale can be postponed

A sale cannot be postponed for more than 12 months unless a new notice of sale is given.

Alaska Stat. § 34.20.080(e)

The options your servicer can offer

Common questions in Alaska

How much do I have to pay to stop a foreclosure in Alaska?

For a payment default, you pay the sum then in default plus the attorney and other foreclosure fees and costs actually incurred by the lender and trustee. You do not have to pay principal that would not be due without the default. This is in Alaska Stat. § 34.20.070(b).

Can the trustee refuse my payment in Alaska?

Yes, in one situation. If a Notice of Default has been recorded two or more times before under the same deed of trust and you cured each time, the trustee may elect to refuse payment and continue the sale.

Does Alaska have foreclosure mediation?

We did not find a state or court foreclosure mediation program in Alaska. A HUD approved housing counselor or Alaska Legal Services Corporation can help you deal with your servicer.

Who is allowed to sue to stop an Alaska foreclosure sale?

Alaska Stat. § 34.20.070(l) limits it to the borrower on the deed of trust, a guarantor, a person with a recorded interest or lien, an heir or devisee, and the attorney general.

Step by step

More on foreclosure in Alaska

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.

Back to the Alaska overview

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Sources for this page

  1. Alaska Statutes §§ 09.45.060 to 09.45.160 (forcible entry and detainer), Alaska Legislature
  2. U.S. Courts: Chapter 13 Bankruptcy Basics (automatic stay)
  3. Alaska Statutes §§ 34.20.070 to 34.20.135 (deed of trust foreclosure), Alaska Legislature
  4. Alaska Statutes § 09.35.140 (notice of sale), Alaska Legislature
  5. Alaska Statutes §§ 09.35.250, 09.35.260 (redemption), Alaska Legislature
  6. Alaska Statutes §§ 09.45.170 to 09.45.220 (judicial foreclosure), Alaska Legislature
  7. Alaska Housing Relief: For Homeowners (program status)
  8. Alaska Housing Relief: Legal Rights and Aid
  9. U.S. Treasury: Homeowner Assistance Fund (program ended September 30, 2026)
  10. CFPB: 12 C.F.R. § 1024.41 Loss mitigation procedures
  11. Alaska Department of Law: Mortgages, Loans and Credit