Louisiana
Louisiana Code of Civil Procedure art. 3721. Judicial foreclosure state.
Judicial Type
Judicial
Redemption
No statutory right of redemption after judicial foreclosure
Deficiency
Lender may pursue deficiency. Louisiana has a unique deficie
Mediation
No mandatory statewide program.
Statute Citation
La. Code Civ. Proc. arts. 3721-3743
Redemption Period
No statutory right of redemption after judicial foreclosure sale in Louisiana. The sheriff's sale is final. Louisiana's civilian legal system (based on French/Spanish civil law, not English common law) does not recognize the common-law equity of redemption.
Deficiency Judgment Rule
Lender may pursue deficiency. Louisiana has a unique deficiency judgment rule: if the lender bids on the property at the sheriff's sale (credit bid), deficiency is limited to debt − sale price — but ONLY if the lender uses the executory process. In ordinary process, deficiency is generally determined by the remaining balance after sale.
Notice Requirements
Louisiana has two foreclosure procedures: (1) executory process (faster, based on authentic act with confession of judgment) — minimal notice required, and (2) ordinary process (slower, full judicial proceeding with service and trial). Executory process is unique to Louisiana and creates notice concerns.
Mediation Program
No mandatory statewide program.
Key Provisions
- Executory process: Louisiana's unique fast-track foreclosure (uses authentic act with confession of judgment)
- Ordinary process: traditional judicial foreclosure with full due process
- No post-sale redemption under Louisiana civilian law
- Sheriff's sale is conducted by the parish sheriff
- Executory process can be completed very quickly (45-60 days) — one of the fastest judicial states
Homeowner Protections
- Borrower can challenge executory process by filing an injunction — converting to ordinary process
- Ordinary process provides full judicial protections
- Louisiana's Deficiency Judgment Act limits deficiency in certain circumstances
- Borrower can raise all defenses (RESPA, TILA, etc.) in ordinary process
Frequently Asked Questions
What is Louisiana's executory process and how is it different?+
Get Your Free Full Case Review
Tell us about your situation — our senior legal team will review every detail and contact you within 24 hours with a tailored plan. No obligation. 100% confidential.
Submit Your Information
Tell us about your situation in complete confidence.
Case Analysis
Our legal team reviews your documents and foreclosure status.
Receive Your Strategy
We outline your best options and recommended path forward.
We Get to Work
Your dedicated team begins protecting your home and rights.
Ready to Protect Your Home?
Every day matters when facing foreclosure. Get your free, confidential consultation and learn your options — no obligation.
Available Monday–Friday · 10:00 AM – 6:00 PM Pacific