If you're facing foreclosure in Kansas, it pays to learn about the foreclosure process there so you'll know what to expect. Foreclosures in Kansas are judicial, meaning the mortgage lender must file a foreclosure complaint in court and get a court order before selling your home. You have a specific amount of time to respond, which is important if you have a defense to the foreclosure. If you lose your home through foreclosure, the lender can collect a deficiency against you (you end up with a "deficiency" if the sale proceeds don't cover the remaining balance on your mortgage). But there are some limits to the amount of deficiency the lender can collect.