HB567 Alabama 2017 Session

Summary

Primary Sponsor

Kerry Rich

Republican

Session

Regular Session 2017

Title

Residential property, foreclosure, right-of-redemption, time period to redeem further provided for, notice requirement actions, affirmative defense, provided for, time frame for notice requirement actions, further provided for, Sec. 6-5-248 am'd.

Summary

HB567 would lengthen the redemption period after foreclosure to up to one year, add a proof-of-mailing defense for notice actions, and shorten the time to sue over notice requirements to one year.

What This Bill Does

If enacted, the right to redeem foreclosed property would be limited to within one year after the foreclosure date (replacing the current shorter periods). The proof of mailing for the required notice can be used as an affirmative defense in related actions. The time to file lawsuits about the notice requirement would be shortened to one year after foreclosure.

Who It Affects

• Mortgagors, debtors, and others with an interest in foreclosed property (including their spouses, children, heirs, or devisees) who may redeem within the extended one-year period.
• Mortgagees, junior mortgagees, judgment creditors, and their transferees who participate in redemption or whose liens may be revived on redemption.
• Anyone who brings a lawsuit or action related to the foreclosure notice, who would be limited to filing such actions within one year after foreclosure.

Key Provisions

• Redemption period after foreclosure is set to within one year after the foreclosure date for both residential and other property (replacing the prior 180-day/post-sale framework in some cases).
• Proof of mailing of the required notice (possession or production of the mailing proof) constitutes an affirmative defense in actions related to the notice.
• Actions related to the foreclosure notice must be brought within one year after the date of foreclosure (instead of two years).
• Notice requirements remain: mortgagees must mail a notice of the right to redeem at least 30 days before foreclosure by certified mail with proof of mailing.

AI-generated summary using openai/gpt-5-nano on Feb 24, 2026. May contain errors — refer to the official bill text for accuracy.

Subjects

Property, Real and Personal