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ARTICLE · 03 APRIL 2025

Demystifying The Swamp: Executory Process In Louisiana

Jones Walker LLP
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Some commentators are predicting that the declining foreclosure rates witnessed in 2024 could begin to trend upward this year.

United StatesFinance and Banking
Henry Rauschenberger
Henry Rauschenberger

Some commentators are predicting that the declining foreclosure rates witnessed in 2024 could begin to trend upward this year. This potential upward trend underscores the importance of banking institutions and other mortgage holders understanding the foreclosure process and the costs associated therewith. This understanding is essential to making sound lending decisions.

While the foreclosure process varies state to state, Louisiana is (likely to nobody's surprise) an outlier in this area of the law. While Louisiana requires foreclosure be accomplished through judicial means, it provides a unique and expedited procedure for doing so, known as executory process. While this unique procedure may seem intimidating to the unfamiliar, when examined and understood, it reveals itself to be a useful and cost-effective procedural tool for banks and other mortgage holders to exercise their foreclosure rights.

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