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Foreclosure sale date set in Georgia: what you can still do

If your Georgia foreclosure sale is set for an upcoming first Tuesday, the cutoff for almost every option is the sale itself, because nothing can undo it afterward. Work on two tracks at once: push your servicer and the foreclosing law firm for a written answer, and get a lawyer or legal aid looking at court options. Do not rely on a phone promise that the sale is off.

Free HUD counselor: (800) 569-4287

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

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Options still open before a sale in Georgia

  • Pay the reinstatement amount

    Before the sale, by the deadline the lender's law firm gives you

    Call the law firm named in your notice and ask for the reinstatement figure in writing, good through a specific date, and how it must be paid. Georgia Legal Aid says most mortgage companies will stop the sale for the missed payments, attorney fees and foreclosure costs. Get written confirmation that the sale is cancelled.

  • Get a decision on a pending loss mitigation application

    Complete application sent more than 37 days before the sale

    Call the contact with full authority named in your notice and ask in writing whether the sale will be held while your application is reviewed. Georgia Legal Aid lists a servicer's failure to decide an application sent more than 37 days before the sale as a possible ground for a lawsuit. If your application went in later, ask anyway, but line up another option.

    O.C.G.A. § 44-14-162.2

  • File bankruptcy

    Before the sale is held on the first Tuesday

    Georgia Legal Aid says a bankruptcy filed before the sale can stop it, and that you should notify the foreclosure lawyer of the filing. Use a licensed bankruptcy attorney and make sure the foreclosing law firm has the case number before 10:00 a.m. on sale day.

  • Ask the superior court for a temporary restraining order

    Before the sale; allow time for a judge to hear it

    You file in the superior court of the county where the home is located and must show a real legal basis, such as no written notice of the sale or a loan that is not delinquent. Atlanta Legal Aid Society or Georgia Legal Services Program can tell you whether you have one.

    O.C.G.A. § 44-14-162

  • Close a sale of the home

    Payoff received before the sale

    If a buyer and closing are already lined up, ask the servicer for a payoff statement and ask in writing for the foreclosure sale to be held off until the closing. The lender does not have to agree, so keep another option open.

  • Confirm whether the sale is still on

    The week before and the morning of the first Tuesday

    The sale is advertised in the county's legal newspaper for the four weeks before it. To confirm status, call the foreclosing law firm that sent your notice and your servicer, and ask for written confirmation of any cancellation. Sales are held at the county courthouse between 10:00 a.m. and 4:00 p.m.

    O.C.G.A. §§ 9-13-141, 9-13-161

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 Georgia.

Common questions in Georgia

What time are foreclosure sales held in Georgia?

Between 10:00 a.m. and 4:00 p.m. on the first Tuesday of the month at the county courthouse, under O.C.G.A. § 9-13-161. A superior court judge can move sales to another location by a published order, so check the place listed in the advertisement for your sale.

How do I find out if my Georgia foreclosure sale was cancelled?

Ask the foreclosing law firm named in your notice and your servicer, and get the answer in writing. Georgia Legal Aid stresses getting written confirmation that the scheduled foreclosure is cancelled, and having a backup plan if you do not have it.

Can a Georgia foreclosure sale be postponed to a later month?

We did not find a Georgia statute that gives a homeowner a right to a postponement or sets rules for one. Any delay is the lender's choice, so ask your servicer and the foreclosing law firm in writing and do not stop working on other options.

Step by step

More on foreclosure in Georgia

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.

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Sources for this page

  1. O.C.G.A. § 44-7-53 (writ of possession if tenant fails to answer; trial if answered), FindLaw (unofficial mirror), current as of March 28, 2024
  2. O.C.G.A. § 44-7-55 (judgment and writ of possession effective after seven days), FindLaw (unofficial mirror), current as of March 28, 2024
  3. O.C.G.A. § 44-14-162 (sales under power: where, when, advertisement, recording before sale), FindLaw (unofficial mirror), current as of March 28, 2024
  4. O.C.G.A. § 44-14-162.1 (definition of debtor), FindLaw (unofficial mirror)
  5. O.C.G.A. § 44-14-162.2 (30-day notice to debtor), FindLaw (unofficial mirror)
  6. O.C.G.A. § 44-14-162.3 (waiver of notice not valid in security instrument), FindLaw (unofficial mirror)
  7. O.C.G.A. § 44-14-162.4 (recitals in deed under power), FindLaw (unofficial mirror)
  8. O.C.G.A. § 44-14-161 (confirmation of sale before deficiency judgment), FindLaw (unofficial mirror)
  9. O.C.G.A. § 44-14-190 (disposition of sale proceeds and surplus), FindLaw (unofficial mirror)
  10. O.C.G.A. § 9-13-161 (public sales on first Tuesday, hours, holiday rule), FindLaw (unofficial mirror)
  11. O.C.G.A. § 9-13-141 (advertisement once a week for four weeks), FindLaw (unofficial mirror)
  12. O.C.G.A. § 44-7-50 (demand for possession and dispossessory filing), FindLaw (unofficial mirror)
  13. O.C.G.A. § 44-7-51 (dispossessory summons, seven days to answer), FindLaw (unofficial mirror)
  14. O.C.G.A. § 10-1-393 (Fair Business Practices Act, paragraph (b)(20) on homeowners in default), FindLaw (unofficial mirror)
  15. Georgia General Assembly: House Bill 948 (2025-2026), committee substitute text showing current O.C.G.A. §§ 44-14-162.2 and 44-14-190 with proposed changes
  16. Georgia General Assembly: House Bill 948 status page (last action: Senate Read Second Time; not enacted)
  17. GeorgiaLegalAid.org: What to Know About Foreclosure (reviewed February 13, 2026)
  18. GeorgiaLegalAid.org: Georgia Foreclosure Law Help and Legal Aid
  19. Atlanta Legal Aid Society brochure: Facing Foreclosure? (updated 2024), hosted on GeorgiaLegalAid.org
  20. Georgia DCA public notice, February 26, 2026: Georgia Mortgage Assistance Announces Revised Final Application Deadline
  21. Georgia DCA: Georgia Mortgage Assistance Program
  22. U.S. Department of the Treasury: Homeowner Assistance Fund
  23. Georgia Department of Banking and Finance: I have a question or complaint about my mortgage company
  24. Georgia Attorney General's Consumer Protection Division: File a Complaint
  25. Georgia Department of Revenue: Unclaimed Property
  26. State Bar of Georgia FAQ: Where can I get an attorney referral?