Judicial Sale vs. Taking in Payment (Prise en Paiement) in Quebec
Quebec is the one province where “foreclosure” and “power of sale” aren’t really the right words at all — Quebec’s Civil Code uses its own mechanisms.
Judicial Sale and Taking in Payment (Prise en Paiement)
Quebec operates under the Civil Code, not common law, so “foreclosure” and “power of sale” aren’t the right terms here. A lender can pursue a judicial sale through Quebec’s Superior Court, or take the property in payment (prise en paiement), which extinguishes the debt entirely in exchange for the property.
How Long Does This Take in Quebec?
Judicial sale (vente sous contrôle de justice) or taking in payment (prise en paiement) in Quebec typically takes 6-18 months. Quebec’s Civil Code doesn’t set a formal redemption period the way common-law provinces do, but the court process itself provides time to respond before a sale or transfer is finalized.
Every province handles this differently — learn your options in Quebec for the full legal breakdown.
Frequently Asked Questions
Does Quebec use power of sale?
No. Quebec has its own process instead of power of sale (see above).
How long do I have before the sale is final in Quebec?
Typically 6-18 months, though the exact window depends on your lender and the court’s schedule. Quebec’s Civil Code doesn’t set a formal redemption period the way common-law provinces do, but the court process itself provides time to respond before a sale or transfer is finalized.
Can I still sell my house instead of going through this process?
Yes, in almost every case you can sell for cash any time before the sale or transfer is finalized — that keeps the outcome in your control.
Talk To Us Before Your Next Step
If you’re behind on payments and want a fast, no-obligation cash offer, see how our selling process works or call us at (587) 817-6262. We buy houses as-is — no repairs, no commissions — and can close on a timeline that works for you.
This page is for general information only and is not legal advice. Foreclosure laws and timelines can vary by lender, court and individual circumstances — talk to a licensed lawyer for advice about your specific situation.