non judicial foreclosure
Non judicial foreclosure is a common practice in nonjudicial states where a home owner, through no court order, has been given possession of the property by the lender without the involvement of a judge or jury. In these states, lenders are not required to go to court to take a property through foreclosure. A quick note of default is all that is needed and the borrower has lost the home. The lender may be able to get away with nonjudicial foreclosure in states where it is widely practiced due to a lack of public interest in the process. In states where non judicial foreclosure is allowed, borrowers must often fight the foreclosure in court to prove the lender owes the debt. With judicial foreclosure, lenders have to use legal procedures to prove the debt. If the borrower contests the foreclosure, he has to do so in court, through a process called foreclosure lawsuit. Although this process can be costly for the lender, it allows the borrower an opportunity to receive a court notice and an opportunity for a hearing before the foreclosure action is taken.
Problems with Non Judicial Foreclosure
The problem with non judicial foreclosure also arises from the lack of due process in the process. Once the loan has been placed into the defaulting account, the borrowers right to redemption is lost. The borrower cannot bring a lawsuit against the lender to force the sale of the property until after all legal procedures have been completed. This can mean that borrowers who are in danger of losing their homes may not receive the opportunity to save them from foreclosure. Because lenders do not have to go to court, this provides borrowers with little chance to fight back against the lender. Because of the inherent problems with the nonjudicial foreclosure process, many states have attempted to reform the laws surrounding foreclosure to make it more consistent with judicial proceedings. Unfortunately, these efforts have had limited success. For example, in Florida, in 1998, a law was passed requiring lenders to give borrowers three days’ notice before taking the house through foreclosure. However, many lenders still violate this requirement, which makes homeowners’ due process rights significantly less protected than they could be under state law. In addition, other statutes surrounding foreclosure often conflict with the Florida law, making it difficult for homeowners to protect their rights.
Because nonjudicial foreclosure lacks due process and the protections of the courts, it provides a very low level of protection for the homeowner. Homeowners can gain a little security when they lose their homes through nonjudicial foreclosure. Even if a lender does decide to proceed with a foreclosure lawsuit against a homeowner, this process will take much longer than a judicial foreclosure. This can mean that homeowners may have to spend many months or even years trying to save their home from foreclosure. Lenders may be able to avoid foreclosure through nonjudicial methods, but this method can take a long time and may not provide any protection for homeowners. As a result, borrowers may lose their homes without any chance to regain them. Lenders rely on borrowers taking care of their responsibilities and completing mortgage payments in a timely manner. Unfortunately, when nonjudicial foreclosure occurs, these obligations are ignored. Instead, homeowners are forced to try to save their homes in the face of extreme foreclosure stress. If you need foreclosure help contact us today.
How Non judicial Foreclosures Work
Nonjudicial Foreclosures are a process in which the lender does not seek a judicial foreclosure on your property. If you are behind on your mortgage payments, there are several options you can use to get back on track and stay in your home.
The Nonjudicial Foreclosure Process
The nonjudicial foreclosure process is a quick, simple way to auction off a home to a new owner. It’s a good option for lenders who can’t afford to go through a judicial process. However, it can be a disadvantage for homeowners.A deed of trust is a contract between a borrower and a lender. When the borrower defaults on his or her loan, the lender can foreclose on the property.
Depending on the state, the process can take several months. If a judicial process is used, a lawsuit is filed in court to get a court order to foreclose on the property.During the nonjudicial foreclosure process, the borrower is given a chance to stop the foreclosure. He or she may negotiate a repayment plan or try to work out a short sale.
In the nonjudicial foreclosure process, the lender has to prove that the borrower is unable to pay the loan. In addition, the lender will need to give up the right to a deficiency judgment.Typically, the lender will choose a private trustee to handle the foreclosure process. The lender might also choose to go through a judicial foreclosure.
Different From State to State
Nonjudicial foreclosure is a foreclosure process that allows a lender to foreclose on a property without having to go through the courts. Usually, the lender will hire a third party trustee to handle the process.This type of process can be beneficial to both lenders and homeowners. The lender can avoid court fees, while the homeowner gets to work out a payment plan.
A homeowner has a certain amount of time to reinstate payments if the lender cannot reach a mutually satisfactory agreement. It may also give the homeowner a chance to catch up on missed payments.If a homeowner falls behind on payments, the lender will usually send a notice of default. It will give the borrower a short period of time to reinstate the mortgage, but if the borrower does not pay, the lender can proceed with the sale.
In some states, nonjudicial foreclosures have helped clear up bad loans more quickly. However, there are some key differences between the two processes.Judicial foreclosure is more involved, and it involves the court system. It can take months or years to complete, depending on the state. There is also more red tape and legal fees involved in judicial foreclosure.
You Fall Behind In Payments
If you are facing a nonjudicial foreclosure, it is important that you understand your options and act quickly. It may be possible to keep your home and make up for missed payments. The process will vary from state to state.The process involves a lot of moving parts. A lender will begin by recording a notice of default in a public place. This is a notice that details the mortgage debt that the borrower has fallen behind on.
Once the default has been recorded, the lender will send a second notice stating that the property is for sale. This will be followed by an auction. At the auction, the home will be sold to the highest bidder. There are often fees involved with the sale.In California, a majority of foreclosures are nonjudicial. However, you could still face a judicial foreclosure. Judicial foreclosures are slower and more costly. You may have to wait months before the court proceedings start.Nonjudicial foreclosure is less expensive and quicker. Most lenders prefer it to the judicial route.
Intent to Start a Foreclosure
If you have been hit with a foreclosure notice, you may be wondering how the process works. There are two main options to consider, judicial and nonjudicial. The latter is less expensive and faster. Regardless of which route you take, you will be notified of your delinquent debt and given the chance to cure it before you lose your home.
A judicial foreclosure takes place in state courts and involves a lawsuit by the lender. The process is often accompanied by a lawsuit by the borrower, which could lead to a permanent injunction. In some states, the lender has the right to hire a third party to handle the foreclosure process.
Nonjudicial foreclosure, on the other hand, is a lot quicker. This process is a great way for lenders to sell off properties. Since most states allow this, it’s one of the most common mortgage loan practices.The most important thing to know about the process is that it does have its pitfalls. While the process may be a breeze for lenders, it can be a nightmare for homeowners.
Notices You Might Get During a Nonjudicial Foreclosure
When a homeowner is faced with nonjudicial foreclosure, they have to know what to do. They have the opportunity to delay the foreclosure process for a few months or even a year. However, they may not be able to reclaim their property if they cannot pay their mortgage.A foreclosure notice is the first step in the foreclosure process. It must be published in a newspaper of general circulation in the county where your home is located. It also must be posted on your property. The name of the trustee must be included on the notice.Nonjudicial foreclosures are faster and cheaper for lenders. They also allow for less oversight than judicial foreclosures.
If you are facing a foreclosure, you should talk to your lender or servicer. You can also consult with a lawyer. In some cases, you may be able to get back the value of your property and avoid the process altogether.Depending on the state, you may be able to reinstate your loan. During this time, your lender can try to negotiate with you to make up missed payments.
A notice of default and a notice of sale
A notice of default and a notice of sale in nonjudicial foreclosures is a public record that serves as a notification to a borrower of a failure to make payments. It also gives the borrower a chance to fix his or her problem. In some states, a borrower has up to a year to cure a delinquent mortgage.Typically, the notice of default is published in a newspaper. It’s also recorded at the county recorder’s office. If a homeowner receives a notice of default, he or she should consider hiring a lawyer to help negotiate with the lender. The attorney may also be able to stop the foreclosure process.
Some states require borrowers to be in default for at least 120 days before the property can be sold. This period allows the homeowner time to catch up on missed payments. However, if the homeowner fails to catch up on past due mortgage payments, the lender will proceed to foreclosure.Nonjudicial foreclosures are usually conducted by a third party trustee. During this process, the property is typically auctioned. Often, the property is sold to the highest bidder.
A combined notice of default and sale
If you are behind on payments to your mortgage lender, it may be time for you to stop your foreclosure. But before you take action, you should know your rights and options. You should also be able to understand the differences between judicial and nonjudicial foreclosures, and how they compare.
Judicial foreclosures involve a lawsuit to get a court order to foreclose on a property. Often, this process can take months or even years to complete.Nonjudicial foreclosures are more convenient and less expensive, but they may end in a foreclosure sale. They can be a time-saver for lenders with limited budgets. However, they can be a detriment for homeowners.
Unlike judicial foreclosures, nonjudicial foreclosures do not require a lawsuit or the involvement of a lawyer. That means there are no delays or clerical errors.The first step in a nonjudicial foreclosure is recording a notice of default. This is a public document that outlines the property’s ownership, and the amount of money owed. It can be published in a newspaper or on the county’s website.
A notice of sale
Nonjudicial foreclosure is a way for lenders to sell your home without going through a court process. This type of foreclosure is typically faster and less costly than judicial foreclosure.If you are facing a nonjudicial foreclosure, you should know your options and take quick action. You may be able to delay the sale for a year or two, or you may be able to buy your home back from the foreclosure buyer. Make sure to research your options and consult a foreclosure lawyer to help you.
When you are unable to make your payments, your lender sends you a notice of default. Generally, this notice will detail the amount you owe and the date of the foreclosure auction. During this period, you have time to cure your default and to negotiate with your lender.Once you have received a notice of default, you have three weeks to pay the loan in full. The foreclosure notice must be published in a newspaper of general circulation in the county where you live.After this time has passed, you can go to a public auction and bid on your home. If you are the successful bidder, you will receive the trustee’s deed.
Nonjudicial foreclosures work in a different way than judicial foreclosures. If your home is threatened with a nonjudicial foreclosure, you may have a few options to get it back. You can file for a preliminary injunction or you can voluntarily leave or be evicted from the home. In some states, you can even win a right to redeem your mortgage at an auction.
Right to Reinstate the Loan
For homeowners who have defaulted on their mortgage, there are several options. One is to reinstate their loan. This is sometimes referred to as a “mortgage modification” and is one of the few ways to keep a house after a foreclosure.
The right to reinstate the loan is not always as simple as a few phone calls or writing a check. There may be a state law that requires a specific time limit or amount for a mortgage to be reinstated.When the loan is reinstated, the borrower must repay the entire balance, including all arrears, late fees, and interest. In addition, a borrower may be required to pay any property inspection costs, loss mitigation fees, attorney fees, or other costs related to the foreclosure.
Typically, a reinstatement will take at least two weeks, but in some cases, the process can take up to a month. After all of the necessary steps are completed, the homeowner resumes regular payments.If the mortgage servicer made a mistake in the reinstating your loan, you may be able to contest the claim. Your servicer has seven days to correct the error.
The Auction Takes Place
Nonjudicial foreclosure is the process where a lender sells a property at an auction. This type of process is faster and less costly than judicial foreclosures.If the home owner does not pay the full amount of the loan, the lender can take a deficiency judgment against the homeowner. The “deficiency” is the difference between the amount owed and the amount that was sold at the auction. In some cases, the homeowner may have the option of reclaiming the property from the lender.
Foreclosures can take several months or even years. Depending on the state, the amount of time can vary. It is important to know the different processes that are used before deciding on whether or not to foreclosure.In nonjudicial states, such as Georgia,Texas, Minnesota, North Carolina, Maryland,Virginia and Massachusetts the foreclosure process is typically quicker. Typically, a lender will make an offer for the property, advertise the auction on the internet, and take a credit bid. A lender may also offer a discount to a interested buyer.In a judicial state, such as Florida, the foreclosure process can take up to 37 days. After the homeowner receives a summons and a copy of the foreclosure complaint, the homeowner is placed on notice of the pending foreclosure.
Right to Redeem In Some States
There are a few states that allow you to redeem nonjudicial foreclosures. This right can help you regain ownership of your home after a foreclosure sale. The laws regarding this are different for each state, so it’s a good idea to check them out.One way to redeem a home after a foreclosure is to pay the lender the full amount you owe. While this may sound easy, it’s not something that most homeowners can do on their own. You’ll need to consult with a lawyer to find out how to do it.
If you can’t afford to pay off the loan, you can ask your lender for a payoff quote. They’ll be able to tell you what you owe and how much time you have to redeem your property.The amount of time you have to redeem your home after a foreclosure sale will vary from state to state. Some allow you to redeem the home after a year, while others give you six months.You might be able to redeem your home before a foreclosure sale, too. This is called a “statutory” right of redemption.
You Leave Voluntarily Or Get Evicted
If you are thinking of buying a new home, here are some things to look for and avoid. For starters, read the contract for the umpteenth time. Also, take the time to read up on your lender and ask questions. This will help you make the right decision and save you from a lot of headaches later down the line.In addition to reading up on your lender, check to see if your state allows a homeowners association to represent you. A HOA is a group of individuals with shared ownership and common expenses who are charged with maintaining the common property and ensuring it is up to code. They can be a valuable resource and a lifesaver if you are considering moving. The best part is they are a lot of fun to be around. Just keep in mind that they may be prone to a bad apple, and there’s nothing worse than a jerk who is more interested in scoring a quick buck than helping you find your dream home.
You May Face a Deficiency judgment
A deficiency judgment is an order entered against the borrower of a home that has been foreclosed. This can affect the life of a borrower for years after the sale.There are two types of foreclosure: judicial and non-judicial. When a home is foreclosed, the lender is entitled to a judgment for the difference between the value of the property and the amount of the mortgage. It is also possible to find yourself in a situation where the lender can seize your assets, including your bank accounts.
If you are facing foreclosure, you may need to consider hiring a foreclosure defense attorney to assist you. He or she can help you determine the best strategy to fight against a deficiency judgment.The amount of the deficiency will depend on the state where the home was foreclosed. For example, if your house is worth $850,000 when it was sold, your deficiency will be $50,000. In addition, you are not liable for the deficiency if your home is a single one-family unit or a two-family property with less than four units.
Challenging a Nonjudicial Foreclosure in Court
In some states, homeowners are allowed to challenge nonjudicial foreclosures in court. This means that they can go to court and file a lawsuit against the mortgage trustee. The lawsuit will serve as a court injunction, which will stop the foreclosure.Foreclosure is when the lender takes possession of the property and sells it as collateral. It happens when a borrower fails to make payments on their mortgage. Typically, the default is caused by not making payments as agreed to in the loan agreement. However, foreclosure can also occur if the borrower does not meet the terms of the mortgage contract.
If you’re trying to challenge a nonjudicial foreclosure, you should first consult with a lawyer. Your lawyer can help you decide whether it’s worth it to pursue your case. They can also tell you the strength of your defense.You’ll have to show that the foreclosure was done improperly. This can include evidence that the lender violated federal laws or federal mortgage servicing regulations. Alternatively, you can use declarations and affidavits.
a preliminary injunction
If you’re involved in nonjudicial foreclosure, you can file for a preliminary injunction. This will give you the opportunity to recoup attorney fees if your lender fails to comply with the court order.A preliminary injunction is an extraordinary remedy that you can obtain before your trial. It can stop the sale, reinstate the mortgage, or order the foreclosing party to take action to correct the violation.To obtain a preliminary injunction, you need to show that there are irreparable harms to the homeowner. In addition, the balance of equities favors the homeowner.
Whether you can get a preliminary injunction depends on the laws in your state. The American Bar Association has a number of articles on the topic. There are also a number of cases from the University of Florida Law Review.Typically, courts will grant a preliminary injunction if they believe there is a likelihood that the plaintiff will succeed at trial. However, in some cases, they may only grant the injunction if they feel there is a public interest.
a permanent injunction
When you’re facing nonjudicial foreclosure, it’s a good idea to contact an attorney to help you fight it. A lawsuit can stop the process, and you might be able to get a settlement with your lender. However, fighting nonjudicial foreclosures can be expensive and time consuming. It may not be worth it to spend the money or the effort.
An injunction is a court order that halts or delays a foreclosure until the case is resolved. There are two types of injunctions: a preliminary injunction and a permanent injunction.Preliminary injunctions are issued by a judge based on facts that the homeowner can prove. They can order the foreclosing party to take corrective action or reinstate the loan. The process of getting a preliminary injunction can be a thorny one, though.
Before a judge issues a preliminary injunction, the parties will need to establish that it is in the interest of the public. In this case, the public’s interest will be determined by the judge.Most courts will agree that losing a home to a foreclosure is irreparable. If the plaintiff can show that there is a balance of hardships between him and the defendant, the injunction might be granted.
A non-judicial foreclosure is when the lender takes action against a homeowner without first going to court. In these cases, the lender will often grant the homeowner a short period of time to catch up on payments before sending them a notice of default and sale. In some instances, the lender may only have to publish a notice in a newspaper. In other instances, the homeowner will need to file a lawsuit in court to stop a non-judicial foreclosure.
A non-judicial foreclosure process begins with the filing of a preforeclosure notice. The notice must be true and correct and state that the borrower is in default of the loan. The notice should also state that the borrower can try to work out a loan modification. Once a non-judicial foreclosure begins, the foreclosing party must post a foreclosure notice on the property, as well as in the local newspaper.
A non-judicial foreclosure occurs without any court action and is often preferred by lenders. These foreclosures are faster and put the legal burden of eviction on the buyer. However, lenders can also foreclose a property through the judicial process if the loan was not paid in full. A foreclosure attorney can help.
The process for non-judicial foreclosure begins with the recording and mailing of a notice of default, which gives the borrower a chance to fix the problem. Non-judicial foreclosures usually end with a foreclosure sale. The borrower has 120 days to make up the missed payments or work out a payment plan with the lender.
In some states, a lender may choose to give a homeowner time to catch up on missed payments. In other cases, a lender may just have to send a notice of default and sale. In many cases, a homeowner has the right to defend themselves against a non-judicial foreclosure. However, a foreclosure without a homeowner’s permission will not be successful unless the homeowner files a lawsuit in court.
A non-judicial foreclosure is generally a more beneficial alternative for some homeowners. A non-judicial foreclosure can delay foreclosure by several months or years, giving the homeowner time to fix his or her finances. The homeowner may even have time to work out a contingency plan. However, in some cases, lenders may opt for a judicial foreclosure process because it allows them to resolve more complex issues.
If you’re facing foreclosure, it’s important to know the difference between a nonjudicial and judicial foreclosure. Judgment foreclosures are much more complex and take longer to complete. A judicial foreclosure involves the lender filing a lawsuit with the court, requesting permission to sell the home and apply the sale proceeds to the debt. Nonjudicial foreclosures, on the other hand, do not require court approval. However, they do require the lender to file a notice of default with the county recorder, which begins the default process.
The nonjudicial foreclosure process is more rapid and often takes just a few months, while judicial foreclosures can take years. The timeline for nonjudicial foreclosures can vary from state to state, so it’s crucial to understand what your state’s foreclosure process looks like before signing any documents.
Nonjudicial foreclosures can also involve litigation. Although nonjudicial foreclosures do not require a court appearance, they do involve legal activity, including lawsuits by borrowers, other lien holders, and interested parties. A lawyer can help you navigate these complicated processes and make the best decision for your particular situation. Remember, though, that bankruptcy is a complex process with long-term effects. As such, it’s important to work with a lawyer when facing foreclosure.
Delaying foreclosure proceedings can be beneficial for many homeowners. Delaying the process for more than a year can allow borrowers to rehabilitate their finances and develop contingency plans. Depending on the circumstances, lenders may prefer a judicial foreclosure process, as this allows them to resolve more complicated issues.
Nonjudicial foreclosure is similar to judicial foreclosure in that both require the mortgage company to follow state law regarding notices of default and sale. Once the homeowner defaults on the loan, the mortgage company may schedule a public auction to sell the property. The property may be bought by the lender, a third party, or the public. Both types of foreclosure process involve deficiency and eviction issues.
The Process of Non-Judicial Foreclosure is a legal process in which the secured creditor forecloses on a home. The process involves forcing an auction, at which the secured creditor can recover some or all of the collateral. It is important for a secured creditor to follow all the necessary steps to get the highest possible price for the property.
The process of non-judicial foreclosure is governed by the positive law of Vietnam, but is rarely applied in Vietnam because the positive law doesn’t contain any rules on the manner of foreclosure. In Vietnam, banks often prefer judicial foreclosure because it takes time and costs to complete. Regardless of the method used, the law should make clear the rights and obligations of secured creditors.
The mortgagee is required to present evidence that shows it exercised good faith and reasonable diligence to achieve a fair and adequate price. The mortgagee can resell the property to a third party only if it satisfies the requirements of Ulrich. However, in this case, the mortgagee did not present any evidence supporting its claims in the MSJ.
Cost of non-judicial foreclosure
In addition to the foreclosure costs, there are other costs involved in a non-judicial foreclosure. One of these costs is the notary fee. This fee is paid by Fannie Mae and is based on the amount of the bid. In addition, the notice must be published in a newspaper or posted in a public place.
A non-judicial foreclosure does not involve a court, but there can be a lot of legal activity involved. In some cases, borrowers, other lien holders, or interested parties may file lawsuits to challenge the foreclosure process. In addition, the process can involve a lengthy time frame. Therefore, it is best to seek legal advice before deciding to pursue a non-judicial foreclosure.
Non-judicial foreclosures are less expensive and less time-consuming than judicial foreclosures. They also place the burden of eviction on the buyer. This type of foreclosure is often a better choice if the mortgage is secured by a deed of trust or other property. Most states have different laws and regulations regarding non-judicial foreclosures, but they generally follow the same structure as a judicial foreclosure. The process typically begins with a notice of default and sets a deadline for the homeowner to bring the loan current.
In some states, the mortgage bankers’ association (MBA) dislikes the judicial foreclosure system because it adds to the costs for the lending industry. In the case of a recent study, the New York Times reported that states with judicial foreclosures had slower housing market recovery. In New York and New Jersey, for example, foreclosures were twice as slow as the national average. This delay was likely due to the sheer volume of foreclosures.
In New York, the foreclosure process is a judicial process. In judicial foreclosure, the lender has the right to sue the borrower, but in a non-judicial foreclosure, the lender can simply foreclose the property without a court’s involvement. The homeowner does not have to pay property taxes, mortgage payments, or home insurance premiums during the foreclosure process. The lender has to advance these expenses.
Requirements for non-judicial foreclosure
Non-judicial foreclosure procedures are established by state statute and typically involve minimal court intervention. Although the process varies by state, the basic principle is similar across the country. A default letter is mailed to the home owner, and he or she has a certain amount of time to cure the debt. If the homeowner does not respond within the specified period, a Notice of Sale is published and posted in public locations. A trustee is appointed and notifies the home owner that he or she is facing foreclosure.
The non-judicial foreclosure process is beneficial for both homeowners and developers because it provides relief in a reasonable time frame. It also allows timeshare developers to better manage their properties and alleviate the crowded judicial docket. In addition, it is less expensive, faster, and more effective than judicial foreclosure processes.
How to Stop a Non Judicial Foreclosure Immediately
Whether you are trying to stop a non judicial foreclosure auction immediately, or if you want to avoid one at all costs, there are some things you can do. A good first step is to consult with an attorney. He or she will advise you on the best ways to minimize the negative effects of a foreclosure.
If you are not able to work out a deal with your lender, you may want to file for bankruptcy. This will stop the foreclosure process and give you a period of time to resolve the mortgage problem. This type of filing can affect your credit for years, and you may be denied financing.You can also try to sell your home. This will allow you to recover the equity you have in your home, and it can help you reclaim your property. If you are unable to do so, you can ask the court for an injunction to postpone the foreclosure.
You can also try to avoid the sale by modifying your loan. Your lender may be willing to do so. However, you will need to get approval from the mortgage company. This may be done in writing, and you will need to meet certain criteria.If you are unsure what to do, you can find help through the Consumer Financial Protection Bureau. They have a website that will give you all the information you need about loss mitigation and mortgage relief.You should also be able to contact your lender to discuss your options. They can help you set up a loan modification, or they can refer you to a counselor who will assist you.
Getting Help With a Nonjudicial Foreclosure
If you are facing foreclosure, you will need to understand your rights and options. A lawyer can help you through the process. They can guide you through the different steps and negotiate with your lender to reach an agreement.
Nonjudicial foreclosure is a less costly method of foreclosing on a property. It is also faster. Many states allow this type of procedure. Usually, it is based on a power of sale clause in a mortgage contract.Most lenders prefer to go through nonjudicial foreclosure instead of judicial foreclosure. This is because it is faster and costs less. However, some lenders will pursue judicial foreclosure in some circumstances.Regardless of which type of foreclosure you are facing, it is important to take steps to protect yourself. You should consult a foreclosure attorney or legal aid website to learn more about your options. Also, you may be able to delay the foreclosure for a long period of time.
Whether you are defending against a nonjudicial foreclosure or trying to reinstate your loan, it is essential that you understand your rights. There are many state laws that govern foreclosure procedures. You should review these laws to find out what you can do.Foreclosures happen when a borrower falls behind on payments. If you are falling behind, your lender will notify you and give you a period of time to catch up. Once you fail to make payments, the bank will foreclose on the property..If you’re experiencing a non judicial foreclosure call us now to speak with a foreclosure attorney!