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Foreclosure sale date set in Wyoming: what you can still do
If a Wyoming foreclosure sale is scheduled, act in days, not weeks. Wyoming has no statutory right to cure before the sale, so the realistic options are a deal with your servicer, a postponement, bankruptcy, or a lawyer's challenge. Even if the sale goes ahead, you still have three months to redeem.
Reviewed against Wyoming law and official sources on October 11, 2026. General information, not legal advice.
Tell us your sale date
Free. A person replies with the options and official help that fit. Messages about a scheduled sale are answered first.
Options still open before a sale in Wyoming
Pay or settle with your servicer
Before the sale, by the deadline your servicer gives you in writing
Ask for a written reinstatement or payoff figure and how to pay it, usually with certified funds. Wyoming law does not set this right, so get the servicer's agreement to cancel the sale in writing.
Ask for a postponement
Before the sale
Ask your servicer to postpone while it reviews a loss mitigation application, a sale or a refinance. A postponement is made by publishing a notice of the new date in the same newspaper. A complete application received 37 days or fewer before the sale does not get the federal sale protection, so do not count on it.
Wyo. Stat. § 34-4-109; 12 C.F.R. § 1024.41(g)
File bankruptcy
Before the sale is held
The automatic stay stops the sale while it is in effect. Speak with a bankruptcy lawyer before filing, because the stay can be limited if you had another case dismissed in the past year.
11 U.S.C. § 362
Ask a court to stop the sale
Before the sale, usually days ahead
If the notice of intent, the mailed notice or the newspaper notice did not follow the statute, a lawyer can ask the district court to stop the sale. This needs a lawyer and time to file.
Wyo. Stat. §§ 34-4-103, 34-4-104
Plan to redeem after the sale
Within 3 months after the sale
If the sale happens, you can still buy the home back for the sale price plus 10 percent yearly interest and certain costs, and you can stay during those three months. Start lining up a refinance or family help now.
Wyo. Stat. §§ 1-18-103, 1-18-104(e)
Confirm whether the sale is still on
The day before and the morning of the sale
Call the person named in your notice of sale, or the county sheriff's office if the sheriff is holding it, and check the newspaper for a notice of postponement. Sales are held at the front door of the county courthouse or where the district court meets.
Wyo. Stat. §§ 34-4-106, 34-4-109
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 Wyoming.
Common questions in Wyoming
What time of day are Wyoming foreclosure sales held?
Between 10 a.m. and 5 p.m., at the front door of the courthouse or the place where the district court meets in the county, under Wyo. Stat. § 34-4-106. Your notice of sale gives the exact time and place.
Can my Wyoming sale be moved without a new notice?
Under Wyo. Stat. § 34-4-109, a postponed sale needs a notice of postponement in the newspaper that ran the original notice, published at least once a week for two weeks in a row. Call the person named in your notice and check the newspaper to learn the new date.
If my Wyoming home is sold, do I have to move out right away?
No. Wyo. Stat. § 1-18-104(e) lets you stay and keep any rents for three months after the sale, or 12 months for agricultural property. During that time you can still redeem under Wyo. Stat. § 1-18-103.
Step by step
More on foreclosure in Wyoming
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.
- Free foreclosure help
- A sale date is set (this page)
Free, official, nationwide
Free help anywhere in the country
HUD-approved housing counselors
Free foreclosure prevention counseling from agencies approved by the U.S. Department of Housing and Urban Development. A counselor can review your budget and deal with your servicer alongside you.
(800) 569-4287CFPB: help for struggling homeowners
Plain-language guides from the Consumer Financial Protection Bureau, and a complaint form if your mortgage servicer is not following the rules.
Legal Services Corporation: find legal aid
Find the free civil legal aid office for your county if you have been served with a foreclosure lawsuit or given a sale date and cannot afford a lawyer.
Sources for this page
- Wyoming Statutes Title 34 (Property, Conveyances and Security Transactions), including §§ 34-4-101 to 34-4-113
- Wyoming Statutes Title 1 (Code of Civil Procedure), including §§ 1-18-101 to 1-18-104
- Wyoming Department of Family Services: Housing, Utilities and Energy Assistance
- Wyoming Division of Banking: How to File a Complaint