A Summary of Foreclosure Laws by State

August 28th, 2010


Foreclosure Laws of Individual States

We are providing information about state foreclosure laws. This information is designed to help you understand the process in each state. However, legal information is not legal advice. We are not giving legal advice. The laws of every state are different and frequently change. If necessary, seek legal or professional advice according to your situation.

We have elected to summarize each state’s laws. For a more in-depth analysis of Foreclosure Laws of Individual States, please visit this website or call 800-437-2185for a free consultation on your foreclosure prevention options.

CAUTION: Information on the Internet for the most part is incorrect! Many sites that are publicizing Foreclosure Laws have incorrect information. We went through lengthy and timely research to bring you the most up- to-date and correct information available.

MORTGAGE AND DEED OF TRUST STATES

Below you will find each state according to whether they are Mortgage, Deed of Trust or both.

Mortgage States

Alabama Louisiana North Dakota Arkansas Maine Ohio Connecticut Massachusetts Oregon Delaware Michigan Pennsylvania Florida Minnesota Rhode Island Hawaii New Hampshire South Carolina Indiana New Jersey Vermont Kansas New Mexico Wisconsin New York

Deed of Trust States

Alaska Mississippi North Carolina Arizona Missouri Virginia California Nevada Washington, DC

States that use both Deeds of Trust and Mortgages

Colorado Montana Texas Idaho Nebraska Utah Illinois Oklahoma Wyoming Iowa Oregon Washington Maryland Tennessee Georgia West Virginia Kentucky

FORECLOSURE SUMMARIES

The following summaries give some information on individual state foreclosure laws. Timelines will vary depending on specific circumstances and each situation. The timelines noted within are based on uncontested actions and assume no delays. They give the time for the sale, then the running totals for various procedures, until the end, when the longest time possible for the entire foreclosure process ends . Often, these times are longer than normal in that redemption doesn’t often occur. However, delays do – so keep this in mind – every foreclosure is a unique situation, timelines will vary from foreclosure to foreclosure, and from state-to-state. All foreclosures must be conducted under GSE guidelines.

Alabama Foreclosure Laws

• Judicial Foreclosure Available: Yes (rare)

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 49-73 days – sale held; 30 – 60 days if NOD is not required.

• Right of Redemption: Yes (12 months)

• Deficiency Judgments Allowed: Yes

Alaska Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 105-108 days – sale held; 108-111 deed recorded

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Arizona Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 115 days (non- judicial)

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Arkansas Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes, most circumstances

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 90 days

• Right of Redemption: Ends at sale

• Deficiency Judgments Allowed: Yes

California Foreclosure Laws

• Judicial Foreclosure Available: Yes (rare)

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 120 days

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Colorado Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes (usual)

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 91 days – sale held; 166 redemption expires; 173 deed recorded

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Connecticut Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instruments: Mortgage

• Timeline: 90 days – default entered;180 redemption expires

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

D.C. (Washington District of Columbia)

• Judicial Foreclosure Available: No

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust

• Timeline: 47 days – sale held; 48 deed sent for recording;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Delaware Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instruments: Mortgage

• Timeline: 170-210 days – sale held; 200-300 confirmation of sale;

• Right of Redemption: No

• Deficiency Judgments Allowed: No

Florida Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instruments: Mortgage

• Timeline: 135 days – sale held; 150 certificate of title issued;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Georgia Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes (usual)

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 37 days sale held; 48 deed sent for recording;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

 Hawaii Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline (JF): 220 days – auction; 260 confirmation; 320 conveyance;

• Timeline (NJ): 160 days – auction; 195 conveyance;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Idaho Foreclosure Laws

• Judicial Foreclosure Available: No

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust

• Timeline: 150 days – sale held; deed recorded

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Illinois Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instrument: Mortgage

• Timeline: 300 days – sale held; 345 redemption period expires; deed recorded;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Indiana Foreclosure Laws strong>

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instruments: Mortgage

• Timeline: 251 days – sale held; 266 redemption period expires; deed recorded;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Iowa Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instrument: Mortgage

• Timeline: 160 days – sale held; 180 redemption period expires; deed recorded;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: No

Kansas Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instruments: Mortgage

• Timeline: 130 days – sale held; 210 – 495 redemption period expires; 230 – 515 file closed;

• Right of Redemption: Yes (3 to 12 months)

• Deficiency Judgments Allowed: Yes

Kentucky Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instrument: Mortgage

• Timeline: 147 days – sale held; 177 sale confirmation; 198 deed recorded;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Louisiana Foreclosure Laws

• Judicial Foreclosure Available: Yes (Executory and Ordinary Process)

• Non-Judicial Foreclosure Available: No

• Primary Security Instruments: Mortgage

• Timeline (EP): 180 days – sale held; 209 deed recorded;

• Timeline (OP): 240 days – sale held; 269 deed recorded;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Maine Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instruments: Mortgage

• Timeline: 240 days – sale held; 270 deed recorded;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Maryland Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 46 days – sale held;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Massachusetts Foreclosure Laws

• Judicial Foreclosure Available: No

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 75 days – sale held;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Michigan Foreclosure Laws

• Judicial Foreclosure Available: Yes (rare)

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of T rust, Mortgage

• Timeline: 60 days – sale held; 90 – 425 redemption expires, deed recorded;

• Right of Redemption: Yes (6 months is common)

• Deficiency Judgments Allowed: Yes

Minnesota Foreclosure Laws

• Judicial Foreclosure Available: No

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Mortgage

• Timeline: 90 – 100 days – sale held; 270-280 redemption expires;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Mississippi Foreclosure Laws

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 90 days – sale held;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Missouri Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 60 days – sale held; 61-65 deed recorded;

• Right of Redemption: Yes (rare and difficult)

• Deficiency Judgments Allowed: Yes

Montana Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 150 days – sale held; 153 deed recorded; 163 possession transferred;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Nebraska Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Mortgage

• Timeline (JF): 142 days – sale held; 176 deed recorded;

• Timeline (NJ): 111 days – sale held; 121 deed recorded;

• Right of Redemption: Judicial 30 days; Non-judicial – no;

• Deficiency Judgments Allowed: Yes

Nevada Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline (NJ): 116 days – sale held; 118 trustee’s deed upon sale recorded;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

New Hampshire Foreclosure

• Judicial Foreclosure Available: Yes (rare)

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 59 days – sale held; 75 deed recorded;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

New Jersey Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instrument: Mortgage

• Timeline: 270 days – sale held; 280 deed recorded; 290

• Right of Redemption: Yes (10 days )

• Deficiency Judgments Allowed: Yes

New Mexico Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instruments: Mortgage

• Timeline: 180 days – sale held; 195 deed recorded; 225 redemption expires;

• Right of Redemption: Yes (30 days )

• Deficiency Judgments Allowed: Yes

New York Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline (New York City): 445 days – sale held;

• Timeline (Outside the City):335 days – sale held;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

 North Carolina Foreclosure Law

• Judicial Foreclosure Available: Yes (rare)

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 110 days – sale held; 120 deed recorded;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

North Dakota Foreclosu
re Law


• Judicial Foreclosure Available: Yes (usually)

• Non-Judicial Foreclosure Available: No

• Primary Security Instrument: Mortgage

• Timeline: 150 days – entry of judgment to sale;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Ohio Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instrument: Mortgage

• Timeline: 217 days – sale held; until redemption expires and deed is recorded depends on county;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Oklahoma Foreclosure Law

• Judicial Foreclosure Available: Yes (usually)

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 156 days – sale held; 186 sale confirmed; 201 deed recorded;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Oregon Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes (usually)

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 150 days – sale held; 160 trustee’s deed recorded;

• Right of Redemption: Rare

• Deficiency Judgments Allowed: Yes

Pennsylvania Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instrument: Mortgage

• Timeline: 270 days – sale held; 300 redemption expires and deed recorded;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Rhode Island Foreclosure Law

• Judicial Foreclosure Available: Yes (rare)

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 74 days – sale held;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

South Carolina Foreclosure

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instrument: Mortgage

• Timeline: 150 days – sale complete; 180 redemption expires and deed recorded;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

South Dakota Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes (Rare)

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 150 days – sale held; 340 redemption expires and deed recorded;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Tennessee Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes (very rare)

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 40-45 days – sale held; 50-55 deed recorded

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Texas Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Home Equity Loan

• Timeline: 97 days – sale held; 102 deed recorded;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Utah Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instrument: Deed of T rust, Mortgage

• Timeline: 138 days – sale held; 139 deed recorded;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Vermont Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 95 days – default judgment enters; 275 redemption expires and deed recorded;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Virginia Foreclosure Law

• Judicial Foreclosure Available: Yes (rare)

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of T rust, Mortgage

• Timeline: 45 days – sale held; 60 deed recorded;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Washington Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of T rust, Mortgage

• Timeline: 135 days – sale held; 140-150 deed recorded

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Washington D.C. Foreclosure Law

• Judicial Foreclosure Available: No

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust

• Timeline: 47 days – sale held; 48 deed sent for recording;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

West Virginia Foreclosure Law

• Judicial Foreclosure Available: No

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of Trust, Mortgage

• Timeline: 60-90 days – sale held; 120 deed recorded;

• Right of Redemption: No

• Deficiency Judgments Allowed: Yes

Wisconsin Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: No

• Primary Security Instruments: Deed of T rust, Mortgage

• Timeline: 290 days – sale held; 300 confirmation of sale; 305 deed recorded; 315 final title;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: Yes

Wyoming Foreclosure Law

• Judicial Foreclosure Available: Yes

• Non-Judicial Foreclosure Available: Yes

• Primary Security Instruments: Deed of T rust, Mortgage

• Timeline: 60 days – sale held;

• Right of Redemption: Yes

• Deficiency Judgments Allowed: No

Tucson Located in Southern Arizona

August 28th, 2010


Tucson pronounced too sawn is small city located in southern Arizona about 100 miles south of Phoenix and 60 miles north of the Mexican border. It is situated on a flat desert valley nearly surrounded by barren, rugged mountains.

It has become a retirement community for elderly citizens that appreciate the year round warm weather and inexpensive living.

It is less congested than Phoenix and well situated for tourists wishing to explore the many surrounding attractions.

The climate in Tucson is always dry with temperatures ranging from warm to extremely hot. The city normally receives less than 25 cm of rainfall per year. Daytime temperatures can exceed 45 during the summer with a much more pleasant 20 during the winter months. High tourist season extends from November through March. Fall and spring are good times to visit this area if you want to avoid the tourist crowds.

The surrounding desert is filled with giant Saguaro cactuses that stand up to 10 meters high. You can drive through forests of these cactuses or hike the many trails in Saguaro National Park located just outside of the city.

The Arizona Desert Museum, located about 15 miles west of the city near Old Tucson at the southern entry to Saguaro National Park, is a great place to experience the flora and fauna of the surrounding desert.

Old Tucson is a simulated western town originally constructed as a film set for cowboy movies. Today it is a theme park with entertainment, restaurants, gift shops and many actors dressed in western costumes.

For a very different experience, visit the Pima Air Museum just south of the city. In addition to viewing their wonderful collection of military and civilian aircraft, you can take guided tours of the Bone yards at neighbouring Davis Monthan Air Force Base. Over 5000 military aircraft including hundreds of huge B 52 bombers awaiting destruction are parked in endless rows at the Aerospace Maintenance and Reconstruction Centre. It is hard to even imagine so many aircraft parked in one place.

There are huge open pit copper mines near Sahuarita just south of Tucson and in Bisbee south of Tombstone. Both mines offer public tours. A 29 mile road winds its way up the Catalina Mountains to the 3000 meter high peak of mount Lemmon where temperatures average 10 lower than the city below.

La Fiesta de los Vaqueros Rodeo is held in late February. The Easter Ceremony combining Native American traditions with Christian beliefs occurs during Easter week in early spring. The Tucson International Gem and Mineral Show is held in late February. It is the largest such event in the world, so hotel accommodations will be hard to find during those two weeks.

Roy Jones Jr. Biography of a Champion

August 28th, 2010


In late 2002, Roy Jones Jr. signed to fight WBA Heavyweight world champion John Ruiz. Soon after questions arose about Jones, why is he doing it? And why would he risk it? Was it for the money, an estimated 10 million? Was it the irresistible urge that goes with having been a champion? Was it merely ego or a grab for a higher place in boxing history? Jones was already an established musician having established Body Head record label, a film actor and professional basketball player. To answer these questions, a look back is required at what makes the sometime enigma, and other time superstar of Roy Jones Jr.

Roy Jones Jr. was born on January 16, 1969, in the small Florida city of Pensacola, USA. At the age of 6 young Roy began boxing under the watchful eye of his father Roy Jones Sr. a Vietnam war veteran and small time pro boxer who came from a family of 13. As a youngster Jones was filled with serious potential due to a combination of physical ability, desire and the hard training regime his father had set. Jones worked his way up through the junior amateur ranks, and in 1988 earned a place in the United States boxing team for the Soul Olympic Games.

After fighting through the preliminary stages, Jones earned a place in the gold medal bout against Park Si Hun. Jones was in complete control of the fight, almost hitting the Korean at will with lead left hooks and counters, but in one of the greatest robberies in the history of the sport, the Korean received a gift decision- and along with it the gold medal. As a show of good faith, Jones received an award for the best boxer of the competition, presented at a special ceremony by 50 Korean monks. After an investigation, two of the judges that scored the bout were banned from officiating in competition again.

Subsequent of the injustice in Soul, Jones said he would never fight again. But after returning home to Pensacola to a heroes welcome, and receiving hounary gold medals from across his homeland: Jones made the decision to turn pro.

On the 6th May, 1989, Roy Jones Jr. made his professional boxing debut against Ricky Randall at the Pensacola Civic Centre. Jones weighted 157lb for the bout, and stopped Randall by TKO in round 2.

Although launching his professional career with a series of wins, Jones found himself in a position whereby his career was stalling- fighting in county fairgrounds and running at a financial loss. Jr. was being steered by his fathers cautious management, with title fights being offered but turned down, without Jr. knowing- it seemed Jones was watching the parade go by.

Things came to a head when Jones Sr. shot- and killed- one of Jones bull-terrier dogs after the passionate breed bit a little girl. Jr. instantly sacked his father as trainer and manager and proceeded to hire his former Olympic trainer Alton Merkerson, and decided to take care of managerial issues himself.

With Jones being his own manager via setting up promotional group Square Ring Inc., he secured a shot at the vacant IBF Middleweight (160lb) world title. Jones would take on future great, at the time 22-1, Bernard Hopkins. Without the press or publics knowledge, Jones entered the fight with a broken right hard, and despite his absence, Jones relied on his fathers character building training from early years to carry him through his most important bout thus far. Despite the injury, Jones proceeded to win a unanimous decision, 116-112 on all 3 cards to win his first world title.

After making a defence of his middleweight title against Thomas Tate, Jones next challenge would come in the form of IBF super middleweight champion James Lights Out Toney. Toney- at the time- was regarded as one of, if not the best, pound for pound fighters in the world. Jones went into the bout a certain underdog, but in the end defied all critics- and even non critics- predictions by making Toney look inferior on way to a unanimous decision to make Jones a now two time world champion.

Jones proceeded to defend his IBF super middleweight crown, and on June 15, 1996, completed the incredible feat of playing a minor league professional basketball game, and defending his boxing world title(against Canadian Eric Lucas) on the same day. Jones marked himself as being a supreme athlete, a black superman.

Jones next challenge was to move up to the 175lb- light heavyweight division. After defeating Mike McCallum to gain the WBC Interim world title recognition, Jones was scheduled to fight stocky, 26-0, Montell Griffin to allow a stamp stating three time world champion. What eventuated was a controversial and melodramatic two fight series. Jones would lose his undefeated record by hitting Griffin while the opponent was deemed down for the count, and therefore disqualified. Jones came out in the second fight possessed like one of his game fighting roosters(Jones breeds and trains fighting cocks), intent for revenge, and what resulted was pure cock fight, with Jones dismantling Griffin in 1 round leaving no doubt as to whom was the superior fighter.

After negotiations fell through to meet faded former heavyweight champion Buster Douglas, Jones decided to make a run at cleaning out the light heavyweight division. Before unifying titles, Jones took on a big light heavyweight, and former champion, Virgil Hill. Many expected Jones to be overpowered by Hill, but Jones stopped the fight in round 3 with a body shot reminiscent to that of the sound of a shot gun, and consequently breaking Hill’s ribs.

To unify the light heavyweight belts, Jones would need to get past WBA champion Lou Del Valle, in which Jones would go on to do- albeit after being put on the canvas by a shock knock down- in a unanimous decision.

On June 5, 1999 Jones would defeat Reggie Johnson to claim the undisputed- WBA, WBC and IBF- light heavyweight championship of the world. Jones won the fight by a 12 round decision, although after a stunning performance in the first two rounds it seemed Jones merely carried his opponent the distance- a habit which Jones would continually be criticised for.

Jones defended the undisputed title against a list of light heavyweight contenders, a group of fighters which critics labels no bodies. However, it was more a case of Jones making these world class fighters look like nobodies- such was Jones superiority.

After being urged on by not only the Jones naysayer, but a challenge to keep himself motivated, Jones took the ultimate plunge and announced that he would fight WBA champion John Ruiz for the heavyweight championship of the world. Jones, the former middleweight, would give up some 33 pounds to Ruiz, coming in as a virtual cruiserweight at a relatively small 193 pounds- many though that Jones would crumble after being hit by the punch of a heavyweight. Despite these thoughts, Jones went on dazzle the reigning heavyweight champion with pure handspeed that had arguably never been seen before in the heavyweight division. Jones defeated Ruiz by a unanimous decision, 116-112, 118-110 and 117-111 to claim the heavyweight world title. Along the way Jones became a four division world champion and the first middleweight claim the heavyweight title in over 100 years.

After reaching the boxing pinnacle, and cementing a place in history, Jones made the somewhat unusual decision to drain himself back down to light heavyweight to fight Antonio Tarver. Jones would defeat Tarver by a majority decision, and given that it was the closest that anyone had come to Jones: the result was publicly disputed.

In the late stages of his career Jones took a return match with Tarver. Whether by aging abilities, effected by weight loss or Tarvers right hard; Jones suffered the first real loss of his professional career via a second round knock out. Jones went on to suffer two more losses, a stoppage against Glengoffe Johnson and by decision in a third fight with Tarver.

Recently Jones started a comeback- still believing he had something to offer- with an impressive
victory against Prince Badi Ajamu.

The legacy Jones leaves behind is that he will be remembered as the greatest natural athlete to ever lace on the gloves: exhibiting freakish speed, both of hand and foot, superb coordination and a near physically perfect physique.