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Oklahoma · What this letter means

Oklahoma foreclosure letters and notices

The papers Oklahoma homeowners receive, in the order they usually arrive. Each page uses the name on the Oklahoma document, explains the deadline it starts under Oklahoma law, and lists what to do this week.

  1. Step 1

    Summons and Petition (foreclosure)

    In Oklahoma, most home foreclosures are lawsuits in district court, and the summons and petition start the case. You usually have 20 days after service to file a written answer, or 35 days if the summons says so. If you do nothing, the lender can ask for a default judgment.

    What it means
  2. Step 2

    Notice of Sheriff's Sale

    After a judgment, the sheriff sells the home at auction, and you must be mailed a written notice of sale at least 10 days before it. The sale cannot be held less than 30 days after the notice is first published. The sale is not final until a judge confirms it.

    What it means
  3. Step 3

    Notice of Hearing on Confirmation of Sale

    An Oklahoma sheriff's sale is not final until a judge confirms it. The lender must mail you notice of the confirmation hearing at least 10 days before. This is your last chance to object to how the sale was done, and the lender may also ask for a deficiency at the same time.

    What it means
  4. Step 4

    Writ of Assistance

    In Oklahoma, the court can order a writ of assistance when it confirms a sheriff's sale. It directs the sheriff to put the buyer in full possession of the home. Resisting it, or moving back in after removal, is contempt of court.

    What it means
  5. Step 5

    Notice of Intention to Foreclose by Power of Sale

    This letter is used only when your mortgage has a power of sale. It must give you 35 days from the date it was sent to cure the default and reinstate the mortgage. If you do not cure, the lender can move to a notice of sale without going to court, unless you elect court foreclosure on your homestead.

    What it means
  6. Step 6

    Notice of Sale (power of sale)

    This notice sets a sale date without a court case. It must be personally served on you at least 30 days before the sale, and it must tell you in bold, underlined words about two homestead rights. You must use those rights by certified letter at least 10 days before the sale.

    What it means

Got a letter not listed here? See every foreclosure letter explained, or how foreclosure works in Oklahoma.