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

If a trustee's sale is set on your Utah home, you still have options until the auction. Start by confirming the date with the trustee, because sales are often postponed. Then work down this list with your servicer, the trustee, a counselor or a lawyer. Do not wait for the last week.

Free HUD counselor: (800) 569-4287

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

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Options still open before a sale in Utah

  • Confirm whether the sale is still on

    Now, and again the day before the sale

    Call the trustee using the phone number and hours sent with your notice of sale. Notices of trustee's sale are also posted on the property and at the county recorder's office, and published on the statewide public legal notice website, utahlegals.com, run by the Utah Press Association. Postponements are announced at the sale itself.

    Utah Code §§ 57-1-25, 57-1-26(3)(b), 57-1-27(2)(b), 45-1-101

  • Request a written payoff statement

    At least 10 business days before the sale

    Send the request to the trustee's notice address by certified mail or a tracked courier. If the trustee does not send the statement within five business days, it must cancel the sale or postpone it to at least 10 business days after it sends the statement.

    Utah Code § 57-1-31.5(2)

  • Ask the servicer to postpone for relief talks

    More than 37 days before the sale for federal review protection; any time before the sale to ask

    Utah lets the servicer postpone a sale to allow more time for foreclosure relief negotiations without recording a new notice of default. Send a complete application, ask in writing for a postponement, and get any agreement in writing.

    Utah Code § 57-1-24.3(8)

  • Pay off the loan

    Before the auction

    Once the three-month reinstatement period has passed, the servicer can require the full balance plus fees. Ask the trustee for the exact figure in writing.

    Utah Code § 57-1-31

  • Ask a court for an order stopping the sale

    Before the auction

    If you believe the foreclosure is wrong, a licensed attorney can tell you whether to file a lawsuit and ask for an order stopping the sale. Contact Utah Legal Services or an attorney right away, because there is little time.

  • Bankruptcy stay

    Before the auction

    A bankruptcy filing stops the sale for now under the federal automatic stay. Talk with a licensed bankruptcy attorney before filing.

    11 U.S.C. § 362(a)

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 Utah.

Common questions in Utah

Where are Utah trustee's sales held?

At a courthouse serving the county where the home is, between 8 a.m. and 5 p.m., at the time and place in the notice of sale (Utah Code § 57-1-25(2)). The trustee or its attorney runs the auction and acts as the auctioneer (§ 57-1-27(1)).

Will I get a new notice if my Utah sale is postponed?

Not always. The trustee only has to announce the postponement at the time and place last set for the sale. A new notice of sale is required only if the sale is pushed more than 45 days past the date in the original notice (Utah Code § 57-1-27(2)). Call the trustee to learn the new date.

Can I choose how my Utah property is sold if it has several lots?

Yes. If the property is made up of several known lots or parcels that can be sold separately, you can come to the sale and tell the trustee what order to sell them in, and the trustee must follow your directions (Utah Code § 57-1-27(1)(c), (d)).

Step by step

More on foreclosure in Utah

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. Utah Code § 57-1-28 (trustee's deed; no right of redemption)
  2. Utah Code § 57-1-31.5 (reinstatement or payoff statement)
  3. Utah Code § 78B-6-807 (unlawful detainer summons; time to respond)
  4. Utah Code § 45-1-101 (legal notice publication requirements)
  5. Utah Legals, Utah Press Association public notice website
  6. Utah Code § 57-1-24 (notice of default)
  7. Utah Code § 57-1-24.3 (notices to default trustor, single point of contact)
  8. Utah Code § 57-1-25 (notice of trustee's sale)
  9. Utah Code § 57-1-29 (proceeds of trustee's sale)
  10. Utah Code § 57-1-31 (reinstatement)
  11. Utah Code § 57-1-32 (action to recover balance due)
  12. Utah Code § 57-1-26 (mailing of notice of default and notice of sale)
  13. Utah Code § 57-1-27 (sale by public auction; postponement)
  14. Utah Code § 78B-6-802.5 (unlawful detainer after foreclosure)
  15. Utah Code § 61-2c-301 (prohibited conduct, mortgage licensing)
  16. Utah Rules of Civil Procedure, Rule 69C (redemption of real property after sale)
  17. Utah State Courts: Foreclosure
  18. Utah Department of Workforce Services: COVID-19 other assistance (lists the Homeowner Assistance Fund)