Georgia

Foreclosure Posting Requirements

Non-judicial Foreclosures are allowed if the mortgage contains a Power of Sale clause. There is no statutory
requirement to provide notice of a default prior to commencing foreclosure or to allow for the mortgagor to cure
the default, but the note may provide such protections. The Notice of Sale must be sent, by certified mail, at least
fifteen (30) days prior to sale. The Notice of Sale must be published for four (4) consecutive weeks. Deficiency
awards are allowed, but the mortgagee must seek confirmation of the sale within 30 days, including proof that the
property was sold for actual value.

Foreclosure Auction Locations

Most states direct the specific location where a sheriff, trustee or creditor may conduct a foreclosure sale. Often the
direction is as vague as ‘any public place within the county in which the property is located.’ Other times, the statute
requires that a foreclosure sale only be held at the site of the property to be foreclosed. Foreclosure sales can be
conducted at public auction held at the front door of a courthouse of the superior court in the judicial district where
the property is located, unless the deed of trust specifically provides that the sale shall be held in a different place.

Foreclosure Timeline:

(Timeline is for non-judicial foreclosures. Intervals are optimal and assumes no delays.)