SB30 Alabama 2018 Session

Updated Feb 26, 2026

Notable

Summary

Primary Sponsor: Clay Scofield
Republican
Session: Regular Session 2018
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: SB 30 would set a one-year deadline to redeem foreclosed residential property, add a defense based on proof of mailing notice, and shorten the time to sue over notice requirements to one year.
What This Bill Does
If passed, the bill would limit the right of redemption for foreclosed residential property to be exercisable within one year after foreclosure. It would also establish that possession or proof of mailing of the redemption notice can be used as an affirmative defense in related actions. Additionally, it would reduce the time to bring actions related to the notice requirement from two years to one year after the foreclosure date.

Who It Affects
Debtors, mortgagors, and their spouses, children, heirs, or devisees (and other eligible parties listed in the statute) by changing the redeemable period to up to one year after foreclosure.
Mortgagees and other lienholders involved in foreclosure (they must send the required notice 30 days before foreclosure by certified mail; notice content requirements remain, and proof of mailing becomes an affirmative defense in related actions).
Anyone who might sue over the notice requirement (their ability to sue would be limited to one year after foreclosure).

Key Provisions
Redemption period for residential property cannot be exercised later than one year after the foreclosure date.
Possession or production of proof of mailing of the redemption notice constitutes an affirmative defense to notice-requirement actions.
Actions related to the notice requirement must be brought within one year after foreclosure (instead of the prior two-year window).
Mortgagees must mail the required notice to the mortgagor at least 30 days before foreclosure by certified mail with proof of mailing; notice content and inclusion with other required notices are maintained.

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