Skip to main content
How to avoidForeclosure
Get help

Wyoming · What this letter means

Wyoming foreclosure letters and notices

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

  1. Step 1

    Notice of Intent to Foreclose

    A Wyoming Notice of Intent to Foreclose is the first paper in a foreclosure by advertisement and sale. Wyoming law requires it before the lender can start publishing a notice of sale. It does not set a sale date, but the newspaper notice can start as soon as 10 days after it is mailed.

    What it means
  2. Step 2

    Notice of Foreclosure Sale

    A Wyoming Notice of Foreclosure Sale gives the date, time and place your home will be auctioned. It is mailed to you by certified mail before it first appears in the newspaper, and it must run once a week for four weeks in a row. You still have three months to redeem after any sale.

    What it means
  3. Step 3

    Certificate of Purchase

    A Wyoming Certificate of Purchase is the paper the sheriff or other officer gives the winning bidder instead of a deed. It is recorded with the county. It says the buyer gets a deed only if no one redeems, and you have three months from the sale date to redeem and stay in the home.

    What it means
  4. Step 4

    Sale Results (Notice of Excess Proceeds)

    In Wyoming, if a foreclosure sale brings in more money than the lender is owed, the lender must mail you the sale results within 10 business days. Getting this letter usually means there may be surplus money. The surplus is paid to you on demand, after costs, the mortgage and timely claims from junior lienholders.

    What it means
  5. Step 5

    Notice to Quit Premises

    A Wyoming Notice to Quit Premises, often called a three day notice to quit, tells you to leave the home. After a foreclosure sale, the buyer must serve it at least three days before filing a forcible entry and detainer (eviction) case. It is not a court order, and only a court can order you out.

    What it means
  6. Step 6

    Forcible Entry and Detainer (Eviction) Summons

    A Wyoming Forcible Entry and Detainer (Eviction) Summons tells you the date, time and place of a circuit court trial on whether the buyer can take possession of the home. You do not have to file a written answer to take part, but you do need to show up. If the buyer wins, the officer can carry out a writ of restitution within two days.

    What it means

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