Summary of Wyoming's Foreclosure Laws

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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

Most common type of foreclosure process

Nonjudicial under power of sale in a mortgage

Notice of the foreclosure

Foreclosing party must send a notice of intent to foreclose to homeowner by certified mail with return receipt at least ten days before first publication of the notice of sale. Notice of sale must be published in a newspaper once a week for four weeks. Also, prior to the first date of publication, a notice of sale must be sent to the homeowner by certified mail.

Reinstatement of loan before sale

Not available (except as permitted by the terms of the mortgage)

Redemption after sale

Available for three months after sale (or 12 months after sale if the property is agricultural)

Special protections for foreclosures involving high-cost mortgages

None

Special state protections for service members

Legal protections under the federal Servicemembers Civil Relief Act are extended to members of the Wyoming national guard ordered to active state service by the state or federal government for a period of more than 30 consecutive days. Wyo. Stat. Ann. § 19-11-122

Deficiency judgments

Allowed

Cash exempted in bankruptcy

None

Notice to leave after house is sold

New owner must provide a notice to quit (leave) before filing an eviction lawsuit.

Foreclosure statutes

Wyo. Stat. Ann. §§ 34-4-101 to 34-4-113; 1-18-101 to 1-18-115

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