Foreclosure started on your Memphis home? Know your dates and your options.

A substitute trustee was named, or a sale notice ran with your address on it. You already know the hard part. What nobody explained is how the paperwork works, which dates are real, and which doors are still open. Our free Foreclosure Options Sheet lays it out in plain words.

The question you're probably asking: what's the catch? There isn't one. The sheet is information only. It doesn't tell you which option to pick, because that depends on your loan. No listing, no showings, and nobody calls unless you ask.

Text me the sheet Free · Memphis and Shelby County · No strings Checked against the Tennessee Code and federal mortgage rules, current this month.

120+ days

behind before a servicer can make its first foreclosure filing under federal rules

20 days

the shortest time Tennessee allows between the first newspaper ad and the sale

37 days

before the sale is the federal cutoff for a complete loss mitigation application

What's in the sheet

The Tennessee foreclosure clock, start to finish: notice, substitute trustee, advertising and the sale
How to find your own sale date this week, and where the published notices and recorded papers are
Every option, in the order people usually try them, with the catch for each one
What happens after a sale: possession and any balance the lender can still go after
The free help in Memphis and the rescue scams to walk away from

The part that catches people: the date on the ad is not a promise. A sale can be postponed again and again without a new newspaper ad. The sheet shows how to confirm the current date.

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