How to Stop a Foreclosure in Wyoming
Reviewed by DocDraft Legal Team · Wyoming · Last updated 2026-08-31
Foreclosure is the process a lender uses to take and sell your home after you fall behind on the mortgage, and stopping it means resolving the loan before the sale, or redeeming afterward. Wyoming allows both routes: non-judicial foreclosure by advertisement and power of sale under Wyo. Stat. §§ 34-4-101 to 34-4-113, which is the common route, and judicial foreclosure by court action. In a foreclosure by advertisement, notice that the mortgage will be foreclosed must be published for four consecutive weeks, at least once each week, in a county newspaper, and a copy must be served by certified mail, return receipt requested, on the record owner at least 25 days before the scheduled sale under Wyo. Stat. § 34-4-104(a). The mortgagee must also mail a notice of intent to foreclose at least 10 days before the first publication under § 34-4-103. Wyoming's foreclosure statutes set no separate statutory pre-sale reinstatement or cure right, so any right to cure the arrears arises from the mortgage or note rather than state law. After the sale, Wyoming provides a post-sale redemption: under Wyo. Stat. § 1-18-103, the borrower generally has three months from the date of sale to redeem, extended to twelve months for agricultural land. Wyoming has no anti-deficiency statute, so a lender may pursue any shortfall in a separate action.
Find out where you stand in Wyoming
Where are you in the foreclosure process?
DocDraft provides document preparation, not legal advice.
How do I stop a foreclosure in Wyoming?
Wyoming allows foreclosure by advertisement under Wyo. Stat. §§ 34-4-101 to 34-4-113, the common route, and judicial foreclosure. You can stop it by paying the amount your mortgage or note requires, negotiating loss mitigation such as a loan modification, or, if the property is sold, redeeming within the statutory redemption period after the sale.
What is the foreclosure timeline in Wyoming?
In a foreclosure by advertisement, notice is published for four consecutive weeks, and a copy is served by certified mail, return receipt requested, on the record owner at least 25 days before the sale under Wyo. Stat. § 34-4-104(a). The mortgagee must also mail a notice of intent to foreclose at least 10 days before the first publication.
Can I reinstate my mortgage to stop foreclosure in Wyoming?
Wyoming's foreclosure statutes set no separate statutory pre-sale reinstatement or cure right. Any right to cure the arrears and reinstate the loan arises from your mortgage or note rather than from state law, so check your loan documents and confirm the exact figure and deadline with the servicer in writing.
Can the lender pursue me for the remaining balance after foreclosure in Wyoming?
Yes. Wyoming has no anti-deficiency statute barring a suit for the shortfall after a foreclosure sale. If the sale proceeds do not cover the debt, the lender may pursue the remaining balance against the borrower in a separate action, so confirm your total exposure before agreeing to a sale.
Wyoming foreclosure law at a glance
Wyoming permits both non-judicial foreclosure by advertisement and power of sale under Wyo. Stat. §§ 34-4-101 to 34-4-113, the common route, and judicial foreclosure by court action. In a foreclosure by advertisement, the foreclosure notice must be published for four consecutive weeks in a county newspaper, and served on the record owner by certified mail, return receipt requested, at least 25 days before the sale under § 34-4-104(a). The mortgagee must also mail a notice of intent to foreclose at least 10 days before the first publication under § 34-4-103. Wyoming's statutes set no pre-sale reinstatement right, so any cure right comes from the mortgage or note. After the sale, under Wyo. Stat. § 1-18-103, the borrower generally has three months from the date of sale to redeem, extended to twelve months for agricultural land. Wyoming has no anti-deficiency statute, so a lender may pursue any shortfall separately.
Redeeming after a Wyoming foreclosure by advertisement
Suppose you fall behind on your Wyoming mortgage and the lender forecloses by advertisement under Wyo. Stat. §§ 34-4-101 to 34-4-113. First, the mortgagee mails a notice of intent to foreclose at least 10 days before the first publication under § 34-4-103. The notice is then published for four consecutive weeks, and a copy is served on you by certified mail, return receipt requested, at least 25 days before the sale under § 34-4-104(a). Because Wyoming sets no statutory cure right, check your mortgage or note for a reinstatement clause and request the figure from the servicer, or pursue a loan modification and a HUD-approved counselor. If the sale still occurs, you generally have three months from the date of sale to redeem under Wyo. Stat. § 1-18-103, or twelve months for agricultural land. Attorney review of your redemption or loss-mitigation paperwork is available through DocDraft.
Court Resources
Find a HUD-Approved Housing Counselor (CFPB)
Free tool to locate HUD-approved housing counseling agencies that help Wyoming homeowners with loss mitigation, loan modification, and lender negotiations at no cost.
Wyoming Community Development Authority (WCDA)
Wyoming's housing finance agency, offering homeowner assistance resources and counseling referrals for residents who have fallen behind on their mortgage.
Wyoming Judicial Branch
Official portal of the Wyoming state courts, with resources should a lender pursue a judicial foreclosure by court action.
Legal Aid of Wyoming
Statewide nonprofit providing free civil legal aid to income-qualified Wyoming residents, including housing and foreclosure-related matters.
Relevant Laws
Wyo. Stat. §§ 34-4-101 to 34-4-113 (Foreclosure by advertisement and power of sale)
Governs Wyoming's non-judicial foreclosure by advertisement and power of sale, the common route for mortgages containing a power of sale. Judicial foreclosure by court action remains available as an alternative.
Wyo. Stat. § 34-4-104(a) (Publication and 25-day certified-mail notice)
Requires the foreclosure notice to be published for four consecutive weeks, at least once each week, in a county newspaper, and a copy to be served on the record owner by certified mail, return receipt requested, at least 25 days before the scheduled sale.
Wyo. Stat. § 34-4-103 (Notice of intent to foreclose)
Requires the mortgagee to mail a notice of intent to foreclose at least 10 days before the first publication of the foreclosure notice, giving the borrower advance warning before the advertisement period begins.
Wyo. Stat. § 1-18-103 (Post-sale redemption period)
Provides that the borrower generally has three months from the date of sale to redeem the property by paying the purchaser, extended to twelve months from the date of sale for agricultural land.
Regional Variances
Wyoming foreclosure rules vs national norms
Process type
Both routes available. Non-judicial foreclosure by advertisement and power of sale under Wyo. Stat. §§ 34-4-101 to 34-4-113 is the common route, with judicial foreclosure by court action also available. Lenders usually use foreclosure by advertisement.
Notice timeline
Four weeks of publication plus certified-mail service on the record owner at least 25 days before the sale (§ 34-4-104(a)), preceded by a notice of intent to foreclose mailed at least 10 days before the first publication (§ 34-4-103).
Reinstatement right
None separately by statute. Wyoming's foreclosure statutes grant no pre-sale reinstatement or cure right, so any right to cure the arrears comes from the mortgage or note, unlike states with a fixed statutory cure window.
Redemption after sale
Yes. Under Wyo. Stat. § 1-18-103, the borrower generally has three months from the date of sale to redeem, extended to twelve months for agricultural land. This post-sale window contrasts with states that allow no redemption at all.
Deficiency judgment
Allowed. Wyoming has no anti-deficiency statute barring a suit for the shortfall after a foreclosure sale, so the lender may pursue any remaining balance in a separate action.
Foreclosure by advertisement vs judicial foreclosure in Wyoming
Foreclosure by advertisement (out of court)
Conducted by the lender under Wyo. Stat. §§ 34-4-101 to 34-4-113 using a notice of intent, four weeks of publication, and certified-mail service at least 25 days before the sale (§ 34-4-104(a)). After the sale, the borrower may redeem under § 1-18-103.
Judicial foreclosure (in court)
Filed as a lawsuit and decided by a court. It is available in Wyoming as an alternative to foreclosure by advertisement. A borrower served with a summons and complaint must file a written response by the stated deadline or risk a default judgment.
Suggested Compliance Checklist
Confirm whether your foreclosure is by advertisement or judicial
As soon as you fall behind or receive any notice days after startingWyoming allows foreclosure by advertisement under Wyo. Stat. §§ 34-4-101 to 34-4-113 and judicial foreclosure by court action. A foreclosure by advertisement uses a notice of intent, publication, and certified-mail service; a judicial case starts with a summons and complaint. Identifying which route you face determines your deadlines.
Watch for the notice of intent and calendar the 25-day and sale dates
Immediately upon receiving any foreclosure notice days after startingThe mortgagee must mail a notice of intent to foreclose at least 10 days before the first publication under § 34-4-103, and serve you by certified mail at least 25 days before the sale under § 34-4-104(a). Note each date and mark the sale date so you can act within the pre-sale window.
Request a written reinstatement or payoff figure from your servicer
As early as possible before the sale days after startingWyoming grants no separate statutory reinstatement right, so any cure amount comes from your mortgage or note. Ask the servicer in writing for the exact figure to bring the loan current or pay it off, and confirm the deadline. Get the amount and cutoff in writing before you send funds.
Apply for loss mitigation or a loan modification
As soon as you anticipate missing payments days after startingAsk your servicer about a loan modification, forbearance, repayment plan, short sale, or deed in lieu. A hardship letter and financial documentation usually support the request, and approval can pause or stop the foreclosure. Attorney review of your loss-mitigation package is available through DocDraft.
Consult a HUD-approved housing counselor
As early as possible in the process days after startingHUD-approved housing counseling agencies help Wyoming homeowners compare payoff, modification, and other options at no cost. Use the CFPB counselor finder to locate one. A counselor can also explain the three-month post-sale redemption under Wyo. Stat. § 1-18-103 if a sale occurs.
Plan for the post-sale redemption window if the property is sold
Within three months of the sale (twelve months for agricultural land) days after startingUnder Wyo. Stat. § 1-18-103, you generally have three months from the date of sale to redeem by paying the purchaser, extended to twelve months for agricultural land. Confirm which period applies and the exact redemption amount before the deadline. Attorney review is available through DocDraft.
Keep written records of every notice, payment, and communication
Throughout the process days after startingSave the notice of intent, the certified-mail notice, the newspaper publications, payoff and redemption quotes, and all servicer correspondence, with dates. These records fix your deadlines under §§ 34-4-103, 34-4-104, and 1-18-103 and document any servicing errors. Attorney review of your file is available through DocDraft.
| Task | Description | Document | Days after starting |
|---|---|---|---|
| Confirm whether your foreclosure is by advertisement or judicial | Wyoming allows foreclosure by advertisement under Wyo. Stat. §§ 34-4-101 to 34-4-113 and judicial foreclosure by court action. A foreclosure by advertisement uses a notice of intent, publication, and certified-mail service; a judicial case starts with a summons and complaint. Identifying which route you face determines your deadlines. | - | As soon as you fall behind or receive any notice |
| Watch for the notice of intent and calendar the 25-day and sale dates | The mortgagee must mail a notice of intent to foreclose at least 10 days before the first publication under § 34-4-103, and serve you by certified mail at least 25 days before the sale under § 34-4-104(a). Note each date and mark the sale date so you can act within the pre-sale window. | - | Immediately upon receiving any foreclosure notice |
| Request a written reinstatement or payoff figure from your servicer | Wyoming grants no separate statutory reinstatement right, so any cure amount comes from your mortgage or note. Ask the servicer in writing for the exact figure to bring the loan current or pay it off, and confirm the deadline. Get the amount and cutoff in writing before you send funds. | - | As early as possible before the sale |
| Apply for loss mitigation or a loan modification | Ask your servicer about a loan modification, forbearance, repayment plan, short sale, or deed in lieu. A hardship letter and financial documentation usually support the request, and approval can pause or stop the foreclosure. Attorney review of your loss-mitigation package is available through DocDraft. | - | As soon as you anticipate missing payments |
| Consult a HUD-approved housing counselor | HUD-approved housing counseling agencies help Wyoming homeowners compare payoff, modification, and other options at no cost. Use the CFPB counselor finder to locate one. A counselor can also explain the three-month post-sale redemption under Wyo. Stat. § 1-18-103 if a sale occurs. | - | As early as possible in the process |
| Plan for the post-sale redemption window if the property is sold | Under Wyo. Stat. § 1-18-103, you generally have three months from the date of sale to redeem by paying the purchaser, extended to twelve months for agricultural land. Confirm which period applies and the exact redemption amount before the deadline. Attorney review is available through DocDraft. | - | Within three months of the sale (twelve months for agricultural land) |
| Keep written records of every notice, payment, and communication | Save the notice of intent, the certified-mail notice, the newspaper publications, payoff and redemption quotes, and all servicer correspondence, with dates. These records fix your deadlines under §§ 34-4-103, 34-4-104, and 1-18-103 and document any servicing errors. Attorney review of your file is available through DocDraft. | - | Throughout the process |
Frequently Asked Questions
Foreclosure is the process a mortgage lender uses to take and sell your home after you fall behind on the loan. Wyoming allows two routes: a non-judicial foreclosure by advertisement and power of sale under Wyo. Stat. §§ 34-4-101 to 34-4-113, the common route, and a judicial foreclosure by court action.
A non-judicial foreclosure by advertisement is conducted out of court by the lender using published and mailed notice under Wyo. Stat. §§ 34-4-101 to 34-4-113. A judicial foreclosure is filed as a lawsuit and decided by a court. Both are available in Wyoming, but foreclosure by advertisement is the common route.
In a foreclosure by advertisement, the notice is published for four consecutive weeks, and a copy is served on the record owner by certified mail, return receipt requested, at least 25 days before the sale under Wyo. Stat. § 34-4-104(a). A notice of intent to foreclose is mailed at least 10 days before the first publication under § 34-4-103.
After the mortgagee mails the notice of intent to foreclose at least 10 days before the first publication under § 34-4-103, the four-week publication begins and certified-mail service must reach the record owner at least 25 days before the sale under § 34-4-104(a). During this time you can seek loss mitigation or a HUD-approved counselor.
Under Wyo. Stat. § 1-18-103, the borrower generally has three months from the date of sale to redeem the property by paying the purchaser. For agricultural land, the redemption period is twelve months from the date of sale. This post-sale redemption is a meaningful window in Wyoming.
Yes. Applying for a loan modification, forbearance, repayment plan, short sale, or deed in lieu can pause or stop a Wyoming foreclosure. Because state law provides no separate statutory cure right, loss mitigation and any contractual reinstatement in your mortgage or note are often the main tools before the sale.
Yes. Wyoming has no anti-deficiency statute barring a suit for the shortfall after a foreclosure sale. If the sale proceeds fall short of the debt, the lender may pursue the remaining balance against the borrower in a separate action, so confirm your total exposure before agreeing to a sale.
Wyoming homeowners can get free help from HUD-approved housing counselors, who assist with loss mitigation and lender negotiations at no cost. The Wyoming Community Development Authority offers resources, and Legal Aid of Wyoming helps income-qualified residents. Acting early, well before any scheduled sale date, gives you the most options.
Other Wyoming guides
Ready to Draft Your Document?
Get AI-powered legal documents with attorney review included. Plans start at $39.99/mo.