Foreclosure Sales

Sale Information

The sales are held on Thursday, starting at 11:00 A.M. in the lobby of the Union County Courthouse at 55 West Main Street. Representatives for the plaintiff must pay for the sale in the Circuit Civil Department prior to the sale. A sale will be held without a representative of the plaintiff present if there is a bidder present willing to pay the sale fee and the proof of publication is filed with the Clerk. Sales are advertised in the Union County Times in their classified section under “Legal Ads”.

Any person interested in purchasing property at a foreclosure sale is strongly encouraged to carefully review the court files and official records at the Clerk’s Office or on this website. This review will help determine whether there are any outstanding liens or encumbrances on the property other than the loan being foreclosed. Please note that the Circuit Civil Department clerks cannot advise you on whether a lien will survive the foreclosure. If the property is sold to someone other than the plaintiff, the successful bidder must provide a good-faith deposit immediately.

Deposits Required

All bidders should be aware that the successful bidder is required to deposit 5% of the final bid amount at the time of the sale. This amount will be verified before bidding is closed; otherwise, the next highest bid will be accepted, and an announcement will be made to that effect. The deposit must be paid immediately following the sale and is non-refundable. This deposit may be in the form of cash or a cashier’s check made payable to the Union County Clerk of Courts.

The balance of the bid amount must be paid by 4:00 pm on the day of the sale, unless otherwise stated in the Final Judgment. If the balance is not paid within the prescribed time period, the deposit will be forfeited, the sale re-advertised, and sold again. The balance due will include a court registry fee, which is 3% of the first $500 plus 1.5% of each additional $100(or the balance of the bid amount). State documentary stamp tax at .70 per $100.00 will be due at the time of Certificate of Title issuance. The balance may be paid in the form of cash or a cashier’s check made payable to the Union County Clerk of Court.

Objections

An objection to the sale may be filed by a party within 10 days after the filing of the Certificate of Sale. The Court will determine the validity of the objection and will direct the Clerk regarding the issuance of the Certificate of Title accordingly.

Certificates