Foreclosure Defense in Richmond

Richmond is in Virginia, which is a non-judicial foreclosure state. Virginia is a non-judicial foreclosure state with a 60-90 day timeline. As an independent city, Richmond's foreclosure process is separate from surrounding counties. Virginia allows both judicial and non-judicial foreclosure, giving lenders flexibility — but non-judicial is the most common.

In Virginia, since it is a non-judicial state, there is no lawsuit to answer — but you must act quickly once you receive a Notice of Default. The timeline is short, and your options narrow the closer you get to the sale date.

Richmond City's Department of Housing and Community Development provides foreclosure resources. Central Virginia Legal Aid Society provides foreclosure defense. The Virginia Housing Development Authority administers assistance programs.

Yes, it is possible to keep your home even after the foreclosure process begins. Options include reinstating the loan (paying the past-due amount), negotiating a loan modification, filing for bankruptcy (which stops the foreclosure immediately via the automatic stay), or raising legal defenses that challenge the lender's right to foreclose. In Virginia, many homeowners successfully save their homes through these methods — but early action is critical.