Summary of Wyoming's Foreclosure Laws

If you are facing foreclosure in Wyoming, it’s important to understand some of the basics, including:

the most common type of foreclosure procedure (judicial v. nonjudicial) used in Wyoming
how much time you have to respond
your rights and protections in the process, and
what happens afterwards (for example, whether you’ll be liable for a deficiency judgment).

Below we have outlined some of the most important features of Wyoming foreclosure law. Keep in mind that this is just a summary; we’ve included statute citations so you can get more details from the laws themselves. And be sure to check out Nolo’s extensive Foreclosure section, where you can find information about all aspects of foreclosure, definitions of foreclosure terms (like redemption and reinstatement), and options to avoid foreclosure.

Topic	State Rule
Common type of foreclosure process	Nonjudicial: under power of sale in deed of trust
Time to respond	Nonjudicial: Foreclosing party must serve notice of intent to foreclose on homeowner 10 days before first publication of the notice of sale. Notice of sale must be published at least once a week for four weeks before sale and served on homeowner before date of first publication.
Reinstatement of loan before sale	No
Redemption after sale	Allowed for three months after sale
Special protections for foreclosures involving high-cost mortgages	None
Special state protections for service members	Wyo. Stat. Ann. §§ 19-11-101 to 19-11-124
Deficiency judgments	Allowed
Cash exempted in bankruptcy	None
Notice to leave after house is sold	No special provisions for evictions following foreclosure. New owner will likely have to go to court to get an eviction order. Court-ordered evictions usually take two weeks to a month, depending on whether or not former owner responds to the lawsuit.
Foreclosure statutes	Wyo. State Ann. §§ 34-4-101 to 34-4-113 (nonjudicial); §§ 1-18-101 to 1-18-114 (judicial)