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

If a Mississippi foreclosure sale is set, you may have only days. No court is watching the sale, but Mississippi law gives you a right to stop it by paying the past due amount, plus costs and fees, before the sale is completed. After the sale, we found no right to buy the home back, so act now.

Free HUD counselor: (800) 569-4287

Reviewed against Mississippi law and official sources on October 12, 2026. General information, not legal advice.

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For example: a sale date, what your servicer has told you, or what changed in your income. Please do not include your loan number, Social Security number or bank details.

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Options still open before a sale in Mississippi

  • Reinstate before the sale

    Before the sale is completed; ask for figures right away

    Call the substitute trustee named in the notice and ask for a written reinstatement quote, the deadline and the accepted form of payment. Paying it reinstates the loan under Miss. Code § 89-1-59. Get proof that the sale was canceled.

    Miss. Code § 89-1-59

  • Confirm the sale is still on

    Any time before the sale

    The notice in the county newspaper and the copy posted at the courthouse give the date, place and terms. Call the substitute trustee to ask if the sale is still set or was postponed.

    Miss. Code § 89-1-55

  • Ask the servicer to postpone

    Before the sale

    If you have a loss mitigation application pending, ask the servicer and the substitute trustee in writing to postpone the sale. Get any postponement in writing.

  • Get a lawyer to check the notice

    Before the sale

    If the notice did not run for three consecutive weeks, was not posted at the courthouse, or did not follow your deed of trust, a lawyer can advise whether to ask the chancery court to stop the sale. Call North Mississippi Rural Legal Services or Mississippi Center for Legal Services the same day.

    Miss. Code § 89-1-55

  • Bankruptcy

    Filed before the sale is completed

    A bankruptcy filing creates an automatic stay that pauses the sale. Speak with a bankruptcy lawyer first, because it affects your credit and property for years.

    11 U.S.C. § 362

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 Mississippi.

Common questions in Mississippi

Can I stop a Mississippi foreclosure sale the day before?

Possibly. Miss. Code § 89-1-59 lets you reinstate by paying the past due amount, costs and fees any time before the sale is completed. In practice the trustee needs time to confirm payment, so call the substitute trustee as early as you can and ask what form of payment it accepts.

How do I find out if my Mississippi foreclosure sale was postponed?

Call the substitute trustee named in the published notice. Mississippi law requires the notice to be posted at the county courthouse, so you can also check there. We did not find a Mississippi statute on how postponements must be announced.

Where is a Mississippi foreclosure sale held?

Miss. Code § 89-1-55 says the sale must be held in the county where the land is, or in the county where a borrower lives. The notice gives the exact place and time, so read it closely.

Step by step

More on foreclosure in Mississippi

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 Mississippi overview

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Sources for this page

  1. Miss. Code § 89-1-55 (notice and publication of sales under deeds of trust), FindLaw copy current as of January 1, 2025
  2. Miss. Code § 89-1-59 (reinstatement before sale), FindLaw copy current as of January 1, 2025
  3. Miss. Code § 89-1-63 (power of sale, substitute trustees, lender may buy), FindLaw copy
  4. Miss. Code § 11-25-1 (unlawful entry and detainer), FindLaw copy
  5. Mississippi Court of Appeals, Harris v. Aurora Loan Services, No. 2024-CA-01118-COA (June 23, 2026)
  6. Mississippi Supreme Court, Hubbard v. BancorpSouth Bank, No. 2013-CP-01028-SCT (April 10, 2014), quoting Miss. Code §§ 15-1-23 and 75-3-118
  7. Mississippi Supreme Court, Hartman v. McInnis, No. 2006-CA-00641-SCT (2007) (deficiency judgments)
  8. Mississippi Legislature: Report of All Measures, 2024, 2025 and 2026 Regular Sessions
  9. Mississippi Home Corporation: HomeSaver Plus closure notice (November 14, 2023)
  10. U.S. Treasury: Homeowner Assistance Fund (period of performance ended September 30, 2026)
  11. Mississippi Attorney General: Consumer Protection Division
  12. Mississippi Department of Banking and Consumer Finance: Complaint Form
  13. Mississippi Volunteer Lawyers Project: Clinics
  14. Mississippi Volunteer Lawyers Project: Courtroom Representation
  15. North Mississippi Rural Legal Services: Mississippi Foreclosure Prevention
  16. Mississippi Center for Legal Services: Do I Qualify?
  17. The Mississippi Bar: Client Assistance FAQ (no lawyer referral service; legal aid contacts)
  18. Mississippi Supreme Court, Tubwell v. FV-1, Inc., No. 2021-CT-01345-SCT (June 6, 2024) (foreclosure buyer's ejectment case)