South Dakota

South Dakota Foreclosure Process

Foreclosure NoticeSecurity Instrument(s): Both Mortgage and Trust Deed.

Foreclosure Type(s): Judicial and Non-judicial.

Judicial Foreclosure: A foreclosure process in which the lender must file a lawsuit against the borrower to obtain a court order to foreclose on a Mortgage document.

Non-judicial Foreclosure: A foreclosure process where a third party Trustee has the power to foreclosure and initiate a sale based on a Trust Deed instrument.

Initial Public Notice: Publication/Complaint.

Estimated Foreclosure Process Period: 150+ days.

First Notice to Sale Time Period: 23+ days.

Redemption Period?: Yes, 1-12 months. (Judicial foreclosures only)

Deficiency Balance?: Yes, case by case basis.

* * * This information represents MRP’s current understanding of the South Dakota foreclosure process. For the most detailed and up to date information, your should contact your local county government.* * *

Stop Foreclosure!Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure or Notice of Foreclosure Sale/Auction, you need a foreclosure defense attorney or foreclosure litigation attorney to effectively represent your interests. If you have received one of these notices, contact us today regarding appropriate legal options!

Foreclosure Defense Attorneys

foreclosure defense attorneysForeclosure defense attorneys can answer complaints, file counter-claims and motions, and represent you at hearings, mediation, and during the entire negotiation process. A foreclosure defense attorney will fight to defend your rights, and achieve the best possible outcome in loan modification, reinstatement, forbearance, principal reduction, and other foreclosure alternatives.

► ► Find A Foreclosure Defense Attorney In South Dakota! ◄ ◄

► ► Complete the Foreclosure Defense Attorney Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

foreclosure litigation attorneysIn recent years, legislators have passed new laws which give consumer protection rights to homeowners, and provide statutory damages for violations. Accordingly, many homeowners are now hiring foreclosure litigation attorneys to sue their lenders, and use other aggressive legal tactics to stop the foreclosure process, resolve their mortgages, and obtain corrective and monetary relief.

► ► Schedule A Litigation Attorney Consultation! ◄ ◄

► ► Take The Lender Litigation Test! ◄ ◄

IMPORTANT, PLEASE READ: If you no longer occupy or legally control a property, but seek monetary and corrective damages for wrongful foreclosure and related legal issues, please visit the Wrongful Foreclosure Damages page to learn about available legal services.

HUD SealHUD Approved Foreclosure
Avoidance Counseling Agencies
Located in SOUTH DAKOTA

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services. Organizations are listed in alphabetical order, by city.

Foreclose Defense Attorney ConsultationIn many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced attorney is in the best position to represent you in mortgage negotiations and foreclosure proceedings. In fact, THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. Negotiating yourself or through a non-attorney third party can even be detrimental. Before you do anything else, we recommend a NO COST ATTORNEY CONSULTATION or completing our FORECLOSURE DEFENSE ATTORNEY EVALUATION.

National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America,
located in South Dakota

Agency Name Phone
Website
Address Languages
South Dakota Housing Development Authority Phone: 605.773.7181
Web: www.sdhda.org
3060 E Elizabeth Street
Pierre, South Dakota 57501
– English
Lutheran Social Services of Sd Phone: 605-330-2700
Web: www.lsssd.org
705 East 41st Street
Sioux Falls, South Dakota 57105
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in South Dakota

This list includes only HUD Approved Housing Counseling Agencies offering “Mortgage Delinquency and Default Resolution Counseling” services, and are considered “Foreclosure Avoidance Counseling” agencies. Organizations are listed in alphabetical order, by city.

HUD
Agency Name
Phone
Toll-Free
Fax Number
Email
Website
Address Languages
CCCS OF LSS – SOUTH DAKOTA P: 605-229-5140
T: 888-258-2227
F: 605-444-7750
E: cccs@lsssd.org
W: www.lsssd.org
110 6th Ave SE
Suite 200
ABERDEEN, South Dakota 57401-6265
– English
CCCS OF LSS – SOUTH DAKOTA P: 605-692-9636
T: 888-258-2227
F: 605-444-7750
E: cccs@lsssd.org
W: www.lsssd.org
752 22nd Ave S
BROOKINGS, South Dakota 57006-2822
– English
NEIGHBORWORKS DAKOTA HOME RESOURCES P: 605-578-1401
T:
F:
E: info@neighborworksdhr.org
W: www.neighborworksdhr.org
795 Main St
Deadwood, South Dakota 57732-1015
– English
CCCS OF LSS – SOUTH DAKOTA P: 605-352-7256
T: 888-258-2227
F: 605-444-7750
E: cccs@lsssd.org
W: www.lsssd.org
1000 18th St. SW
HURON, South Dakota 57350-3486
– English
JAMES VALLEY HOUSING, INC. P: 605-554-0181
T:
F:
E: jamesvalleyhousing@midco.net
W: www.jamesvalleyhousing.org
145 3rd St SW
Huron, South Dakota 57350-1908
– English
– Other
– Spanish
INTER-LAKES COMMUNITY ACTION PARTNERSHIP, INC. P: 605-256-6518
T: 800-896-4106
F: 605-256-2238
E: jmcguire@interlakescap.com
W: www.interlakescap.com
111 N Van Eps Ave
Madison, South Dakota 57042-2800
– English
CCCS OF LSS – SOUTH DAKOTA P: 605-996-0868
T: 888-258-2227
F: 605-444-7750
E: cccs@lsssd.org
W: www.lsssd.org
403 N. Lawler
Suite 206
MITCHELL, South Dakota 57301-2694
– English
BLACK HILLS CHILDREN’S RANCH, INC. – PIONEER CREDIT COUNSELING P: 605-348-1608
T: 800-888-1596
F: 605-348-8537
E: counseling@pioneercredit.com
W: www.pioneercredit.com
1644 Concourse Drive
RAPID CITY, South Dakota 57703-4720
– English
– Spanish
CONSUMER CREDIT COUNSELING SERVICE OF THE BLACK HILLS P: 605-348-4550
T: 800-568-6615
F: 605-348-0107
E: jstone@cccsbh.com
W: www.cccsbh.com
2310 N Maple Ave
Rapid City, South Dakota 57701-7849
– English
LUTHERAN SOCIAL SERVICES OF SOUTH DAKOTA – CCCS P: 605-330-2700
T: 888-258-2227
F: 605-444-7750
E: cccs@lsssd.org
W: www.lsssd.org
705 E 41st St
Suite 100
Sioux Falls, South Dakota 57105-6053
– English
– Spanish
CCCS OF LSS – SOUTH DAKOTA P: 605-882-2228
T: 888-258-2227
F: 605-444-7750
E: cccs@lsssd.org
W: www.lsssd.org
1424 9th Avenue SE
Suite 7
WATERTOWN, South Dakota 57201-5383
– English
CCCS OF LSS – SOUTH DAKOTA P: 605-665-2106
T: 888-258-2227
F: 605-444-7750
E: cccs@lsssd.org
W: www.lsssd.org
610 W. 23rd Street
Suite 104
YANKTON, South Dakota 57078-1218
– English

For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in South Dakota, please visit the HUD website.