If a redemption is not made, pursuant to Section 12-122 of this Act where applicable, prior to the making of redemption under this Section, any judgment creditor, his or her heirs, executors, administrators or assigns may, after the expiration of 3 months and within 6 months after the sale, redeem the premises in the following manner: such creditor, so entitled to redeem, his or her heirs, executors, administrators or assigns may obtain a certified copy of the judgment, and place the same with the sheriff or other proper officer for enforcement, and the sheriff or other proper officer shall endorse upon the back thereof a levy of the premises desired to be redeemed; and the person so entitled and desiring to make such redemption shall pay to such officer the amount for which the premises to be redeemed were sold, with interest thereon at the rate of 10% per annum from the date of the sale, for the use of the purchaser of such premises, his or her heirs, executors, administrators or assigns, whereupon such officer shall prepare and file in the office of the recorder of the county in which the premises are situated a certificate of such redemption, and shall advertise and offer the premises for sale under the judgment as in other cases of sale under a judgment.
12-132.Redemption by creditors.
Article XII. Judgments - Enforcement · Part 1. In General · Not amended since adoption on record · Last verified July 20, 2026
In one sentenceSection 12-132 lets a judgment creditor redeem land sold at a judicial sale between three and six months afterward, by placing a certified copy of the judgment with the sheriff and paying the sale price plus 10% annual interest, after which the officer resells the property.
Full Text of 735 ILCS 5/12-132
Plain-English Summary
This section gives judgment creditors, not just the original debtor, a window to redeem property sold at a judgment sale. The window opens after three months and closes six months after the sale, and it only applies if no one has already redeemed under Section 12-122.
To redeem, the creditor obtains a certified copy of their own judgment and hands it to the sheriff or other proper officer, who levies on the premises to be redeemed. The creditor then pays the officer the amount the property sold for, plus 10% interest a year from the sale date, for the benefit of the original purchaser.
Once paid, the officer files a certificate of that redemption with the county recorder and re-advertises and sells the property again, as in the original judgment sale. Sections 12-133 through 12-135 cover how that resale plays out among the creditor and any other bidders, while Section 12-136 sets the order of priority when more than one judgment creditor wants to redeem.
Frequently Asked Questions
When can a judgment creditor redeem property under Section 12-132?
After the expiration of 3 months and within 6 months after the original sale.
What must the creditor pay to redeem?
The amount the premises sold for, plus interest at 10% a year from the date of sale, for the purchaser's benefit.
What happens once the creditor redeems?
The officer files a certificate of redemption and advertises and sells the property again, as in other judgment sales.
Does Section 12-132 apply if someone already redeemed under Section 12-122?
No. It applies only where a redemption has not already been made under Section 12-122 before this redemption.
What steps must the creditor take procedurally?
Obtain a certified copy of the judgment, place it with the sheriff or other proper officer, and have the officer endorse a levy of the premises on the back of it.
Amendment History
(Source: P.A. 84-1462.)
Source & verification. Section text and amendment history are
reproduced verbatim from the Illinois Compiled Statutes, published by the
Illinois Compiled Statutes, Illinois General Assembly / Legislative Reference Bureau. Last verified July 20, 2026.
· Official source
Also known as: illinois judgment creditor redemptionredeem property after sheriff sale illinoissix month redemption period illinoiscreditor redemption interest rate illinois