Skip to main content
How to Avoid
Foreclosure
Get free help

Wyoming · Weigh your options

How to stop a foreclosure in Wyoming

Wyoming has no statewide foreclosure mediation program and no statute that gives you a right to catch up and stop the sale. That makes your servicer's loss mitigation process, the notice rules, bankruptcy and Wyoming's three month redemption period the main tools. The earlier you act, the more of them you can use.

Ask for help in Wyoming Free HUD counselor: (800) 569-4287

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

Ways to stop or delay a foreclosure in Wyoming

  • Apply for loss mitigation

    As early as possible; a complete application must reach the servicer more than 37 days before the sale for the federal sale protection

    Ask your servicer for a loan modification, repayment plan, forbearance, short sale or deed in lieu. A HUD-approved housing counselor can help you send a complete application and keep copies.

    12 C.F.R. § 1024.41(g)

  • Ask to reinstate

    Before the sale; the deadline comes from your loan papers

    Wyoming law does not set a right to reinstate, so check your mortgage or deed of trust and ask your servicer in writing for the reinstatement amount and the last day it will accept it. Get any agreement in writing.

  • Check the notices

    As soon as each notice arrives

    Wyoming requires a notice of intent by certified mail at least 10 days before publication, a mailed copy of the notice of sale, four weeks of newspaper notice, and a sale at the courthouse between 10 a.m. and 5 p.m. A sale that breaks the rules in § 34-4-106 is void by law. A lawyer can tell you whether a mistake gives you a way to challenge the sale.

    Wyo. Stat. §§ 34-4-103, 34-4-104, 34-4-106

  • Answer a court foreclosure

    By the deadline in the summons

    If the lender sues you instead, file a response on time so you can raise any defenses. Contact Legal Aid of Wyoming or a private lawyer the day you are served.

    Wyo. Stat. § 1-18-111

  • File bankruptcy

    Before the sale

    Filing a bankruptcy case triggers an automatic stay that stops the sale while it is in effect. It has lasting effects, so talk with a bankruptcy lawyer first.

    11 U.S.C. § 362

  • Ask the lender to rescind the sale

    After the sale, before the sheriff's deed is recorded

    If the lender bought the home at the sale, it can cancel the sale for any reason by recording a notice of rescission, which brings the loan back. This is the lender's choice, but it can matter if you reach a workout right after the sale.

    Wyo. Stat. § 1-18-115

  • Redeem the home

    Within 3 months after the sale (12 months for agricultural real estate)

    You pay the sale price plus 10 percent yearly interest from the sale date, plus any taxes, assessments and prior lien payments the buyer made. The sale and the certificate of purchase then become void.

    Wyo. Stat. § 1-18-103

What Wyoming law gives you

The right to catch up and stop the sale

Limited right

We did not find a Wyoming statute that gives you a right to catch up on missed payments and stop the sale. Any right to reinstate comes from your mortgage or deed of trust and your servicer's rules. Ask your servicer in writing for a reinstatement amount and deadline as soon as you get the notice of intent to foreclose.

Foreclosure mediation

No statewide program

Wyoming has no statewide foreclosure mediation program that we could find. Most foreclosures do not go through a court, so there is no settlement conference.

Notice of intent to foreclose

The lender must mail you a written notice of intent to foreclose by certified mail at least 10 days before the first newspaper notice.

Wyo. Stat. § 34-4-103(a)(iv)

Three months to redeem and stay

After the sale you keep the right to redeem, and the right to live in the home and collect any rents, for three months.

Wyo. Stat. §§ 1-18-103, 1-18-104(e)

Notice of excess proceeds

If the sale brings more than the foreclosing lender is owed, the lender must send you the sale results within 10 business days.

Wyo. Stat. § 34-4-104(b)

The options your servicer can offer

Common questions in Wyoming

Is there foreclosure mediation in Wyoming?

We did not find a statewide foreclosure mediation program in Wyoming, and most foreclosures here do not go through a court. Your servicer's loss mitigation review, with help from a HUD-approved housing counselor, is the closest substitute.

Does Wyoming law give me a right to catch up and stop the sale?

We did not find a Wyoming statute that gives you that right. Any right to reinstate comes from your mortgage or deed of trust and your servicer's rules, so ask your servicer for the figure in writing as soon as you get the notice of intent to foreclose.

What happens if the sheriff holds a Wyoming sale without the lender there?

Wyo. Stat. § 34-4-106 says the sheriff must not hold the sale unless the lender or its authorized agent is present, or has waived the right to appear and bid. A sale that does not follow that section is void, and the lender can foreclose again later in a proper sale.

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.

Back to the Wyoming overview

Free, official, nationwide

Free help anywhere in the country

Ask a question

Need help avoiding foreclosure in Wyoming?

Tell us where things stand. A person reads every message and writes back with the options that fit your situation and the free, official help available in Wyoming.

  • Free. There is nothing to buy and no fee, ever.
  • No loan number, Social Security number or documents needed.
  • We are not your lender, a law firm or a government agency.

If a sale is days away, do not wait for an email. Call a free HUD-approved housing counselor now at (800) 569-4287.

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.

Free, and there is nothing to buy. A person reads your message and replies by email, or by phone if you leave a number. We never ask for a fee and we do not sell your details. See the privacy policy.

Sources for this page

  1. Wyoming Statutes Title 34 (Property, Conveyances and Security Transactions), including §§ 34-4-101 to 34-4-113
  2. Wyoming Statutes Title 1 (Code of Civil Procedure), including §§ 1-18-101 to 1-18-104
  3. Wyoming Department of Family Services: Housing, Utilities and Energy Assistance
  4. Wyoming Division of Banking: How to File a Complaint