KY
Judicial — Circuit Court
Kentucky
120 counties indexed · Volume data available by county
E-Filing Portal
KyCourts eFiling
Doc Format
File Size Limit
Mandatory E-Filing
No
Foreclosure Process Overview
Statewide Filing Requirements
Document Standards
Required FormatSee county
File Size LimitSee county
Mandatory E-FilingNo
Filing FeeSee county
E-Recording Vendors
Typical Documents Filed
Warning Order (CR 4.07) — Most Common Source of Delay in KY Foreclosures
When a defendant's address is unknown or service by personal delivery fails, Kentucky Civil Rule 4.07 requires the court to appoint a Warning Order Attorney (WOA) to make a diligent effort to notify the defendant. This process adds 30–60 days to the foreclosure timeline and is a frequent cause of unexpected delays.
When It Applies
- • Defendant address unknown at filing
- • Personal service attempted and failed
- • Defendant is a non-resident of KY
- • Defendant is a dissolved/unknown entity
Key Requirements
- • Court appoints Warning Order Attorney
- • WOA must file a report within 50 days
- • Publication in local newspaper required
- • Default judgment cannot enter until WOA report filed
⚠ Best Practice: Conduct a thorough skip-trace and attempt personal service before filing. Document all service attempts in detail to support the Warning Order motion and minimize WOA delays.