Louisiana uses a unique executory process — one of the fastest foreclosure methods. LA offers a 3-year redemption period for certain loans. Time is critical. Free consultation.
Louisiana uses a unique executory process (judicial foreclosure) under Louisiana Code of Civil Procedure arts. 2631-2644. The process takes approximately 60-120 days — one of the fastest in the country. Louisiana offers a 3-year right of redemption (La. C.C. art. 2568) in certain circumstances — one of the longest in the U.S. However, the executory process is fast because it requires a confession of judgment in the mortgage. Deficiency judgments are allowed only if the lender uses an ordinary process.
Louisiana's unique executory process is a fast-track judicial foreclosure that requires the mortgage to include a "confession of judgment" clause. In executory process: (1) the lender files a petition with the authentic act of mortgage, (2) the court issues an order of seizure and sale with minimal hearing, and (3) the property is sold within 60-120 days. The ordinary process (slower but with more defenses) is required if there's no confession of judgment. Louisiana also offers a 3-year redemption for property sold for less than 2/3 of its value.
Lender sends demand letter giving 15-30 days to cure. This is your window. Act immediately — Louisiana moves fast. Contact us for reinstatement, modification, or bankruptcy evaluation.
If mortgage has confession of judgment, lender files executory petition. Court issues order of seizure and sale quickly with minimal hearing. The sheriff seizes the property. You can file an injunction to delay if there are procedural defects.
Sale held by sheriff. If property sold for less than 2/3 of appraised value: 3-year right of redemption (La. C.C. art. 2568). Deficiency judgments only available in ordinary process, not executory. Act before sale — LA moves very fast.
If sold for less than 2/3 of value — up to 3 years to redeem (La. C.C. art. 2568).
Executory process foreclosures do NOT allow deficiency judgments.
File injunction to stop executory process if procedural defects exist.
Property must be appraised before sale, which can help with redemption rights.
LA homestead protects up to $35,000 equity in bankruptcy.
Executory process is very fast — act immediately when you receive demand.
Cure during the demand letter period. LA moves fast — act immediately.
Use the demand period and potential redemption leverage to negotiate.
Automatic stay immediately stops executory process. LA allows federal exemptions.
Challenge executory process if confession of judgment or procedures are defective.
Sell or transfer with lender approval. No deficiency in executory process.
Audit for executory process defects or LA civil code violations.
LA moves fast — act now. Free, confidential review. No obligation.
Louisiana uses the executory process — one of the fastest in the nation at 60-90 days. The lender files a lawsuit and may obtain judgment without a hearing if the mortgage contains a confession of judgment clause. LA offers strong redemption rights after sale.
Lender files petition. May get judgment without hearing. Very fast — as little as 60 days.
Sheriff seizes property. Notice of sale published. Property sold at auction.
Auction held. Redemption period varies — up to 3 years for certain loans. Act quickly.
LA's executory process is one of the fastest in America. You may have as little as 60 days. Free consultation.