Frequently Asked Questions

Be aware that foreclosure auctions are sold on an “AS-IS” basis.

In Alabama, the legal hours of sale are between 11:00am to 4:00pm, Central Time, in front of the designated area of the courthouse (generally the main entrance).  Showing up at 8:00am is not necessary.  We cannot legally hold auctions before 11:00am.

Be Prepared.  Please perform your due diligence before the time of auction.  This means no going inside the courthouse to check title, or going offsite while we are present to conduct the sale.  We don’t have the time for it, nor is it fair to anyone else that may be attending.  We usually cover multiple counties in any given day within a five-hour window, so time is of the essence.  Please be prepared to bid when we arrive.

We only accept certified bank checks when required. We will accept cash bids, but we would greatly appreciate that you bring certified funds.  There are myriad reasons for this, but for your financial protection, you will need to immediately convert your cash to certified funds for us to ship them via FedEx to the attorney's office.  Thus, it is much simpler to go ahead and bring certified funds in the amount on what you plan to spend.  If you are the high bidder, the difference (if any) will be refunded to you by the attorney's office.

Regarding certified funds, if the particular attorney's office requires you to have them to bid, then by all means, you must have them in hand or on your person to place a bid.  If you don’t have the funds at the time of auction, we will not accept your bid.  It isn't fair to those who abide by the rules and arrive prepared.

We will visually ensure that you have enough funds to bid before we conduct the auction.

Please know in cases where full funds are required:  You cannot bid more than you brought with you. No exceptions.

We are not authorized to accept bids for sales via telephone, email or by text message before, during or after the sale is completed.  If you don't attend, it's your loss.

We cannot accept a bid less than at least one dollar more than the opening bid amount.

We don't accept personal checks, money orders, silver specie or bartered items.

We don't accept letters of good standing from your bank or financial institution in lieu of certified funds and neither do the attorneys offices, which represent the mortgagee.

We will not answer questions or provide any information regarding sale results to any party other than the purchaser and the attorney's office that we are representing.  That information will be made public once the deed is recorded.

We do not discriminate on the basis of race, color, national origin, age, disability, religion, political affiliation, appearance or gender.  We treat every bidder fairly and equally.  All we ask is that you follow the guidelines above.

Rubin Lublin, LLC
All sale proceeds should be made payable to Rubin Lublin, LLC or properly endorsed.  The entire purchase price must be tendered at the courthouse steps in certified funds.  No deed will even be prepared unless and until all funds have cleared our bank.

Capell & Howard, P.C. (formerly Sasser, Sefton & Brown) Sold by us through Williams & Williams Auctions
The 3rd party purchaser must start the bidding in an amount in excess of the opening bid and have the full final bid amount in certified funds payable to our firm immediately following the foreclosure sale.

Padgett Law Group (formerly Stephens Millirons)
The successful bidder must tender full funds at the conclusion of the sale in the form of a certified check made payable or endorsed to Padgett Law Group.  No personal checks will be accepted.  To this end you must bring sufficient funds to outbid the lender and any other bidders.  Insufficient funds will not be accepted.  Amounts received in excess of the winning bid will be refunded.  Padgett Law Group reserves the right to award the bid to the next highest bidder should the highest bidder fail to timely tender the total amount due.

McCalla Raymer Leibert Pierce, LLC (Sold by us through Foreclosure Services of Alabama and Xome)
Proof of certified funds must be presented before bids are accepted.  Certified funds in the full amount must be collected at the courthouse steps at the time of sale, made payable to McCalla Raymer Leibert Pierce, LLC

LOGS Legal Group, LLP (Sold by us through Xome)
The successful bidder must tender a non-refundable deposit of Five Thousand Dollars and no/100 ($5,000) in certified or cash funds at the time and place of the sale.

Tiffany & Bosco, P.A.
The successful bidder must tender a non-refundable deposit of Five Thousand Dollars ($5,000.00) in certified funds made payable to Tiffany & Bosco, P.A. at the time and place of the sale. The balance of the purchase price plus any deed recording costs and transfer taxes must be paid in certified funds by noon the next business day at the Law Office of Tiffany & Bosco, P.A.  Tiffany & Bosco, P.A. reserves the right to award the bid to the next highest bidder should the highest bidder fail to timely tender the total amount due.

McMichael Taylor Gray (Sold by us through MK Consultants, Inc)
The successful bidder must tender a non-refundable deposit of Five Thousand Dollars ($5,000.00) in certified funds made payable to McMichael Taylor Gray LLC at the time and place of the sale. The balance of the purchase price must be paid in certified funds by noon the next business day.  McMichael Taylor Gray, LLC reserves the right to award the bid to the next highest bidder should the highest bidder fail to timely tender the total amount due. 

Bell Carrington Price & Gregg, LLC.
Non-refundable deposit of $3,000.00 in certified funds due at time of sale completion.

Remaining balance due to Bell Carrington Price & Gregg, LLC by noon the following business day. This must be paid in certified funds made payable to Bell Carrington Price & Gregg, LLC. Please note we currently do not accept wire transfers.

You will be responsible for paying to Bell Carrington any recording fees and costs before the Foreclosure Deed can be recorded. This recording amount will be emailed to you before 5:00 PM CST on the day of the sale.

If a high bidder fails to submit funds or follow procedures, Bell Carrington will send an email to the next highest bidding entity notifying said bidding entity it has the opportunity to purchase the property for said entity’s highest bid amount. Funds due in the same manner listed above by noon the next business day after the sent email.

Halliday, Watkins & Mann, P.C. (Sold by us through Xome)
The successful bidder must tender certified funds by noon the next business day to Law Office of Halliday, Watkins & Mann, P.C.  Certified funds must be in the form of a wire transfer, bank or credit union’s cashier’s check, or bank official check payable to Halliday, Watkins & Mann, P.C.

McPhail Sanchez, LLC (Sold by us through Foreclosure Services of Alabama & Xome)
Funds must be received by the firm within 24 hours of sale.

Pierce Ledyard, P.C.
Requires full funds by no later than 4:00pm the day of sale

Spina & Lavelle, P.C. 
Requires full funds by no later than 5:00pm the day of sale

We haven’t seen the property, nor do we know what shape it’s in.  We are independent auctioneers hired by law firms to cry mortgage foreclosure sales.

We don’t have keys to the property, nor does anyone at the attorney’s office.  Please consult independent legal counsel for your rights.

As auctioneers, we are placing a bid on behalf of the mortgage company, bank, or whatever entity that holds the mortgage.  If no third-party bids are received, the sale is final and the entity purchases the mortgage for the opening bid, which extinguishes the mortgage.  In this state (Alabama), the mortgage being foreclosed on will not come up for foreclosure auction again.  The mortgagee will then try to sell the property on the market to recoup their losses.

We are not privy to any information besides what was published in the newspaper and the opening bid amount.  Again, we are independent auctioneers hired by law firms to only cry mortgage foreclosure sales.  Your job is to research before you decide to purchase, not ours.

We have no contact information to dispense other than what was published with the foreclosure notice.