If you have received a foreclosure Notice, or if
you are in default, fill in the form and give us a call.

Stop California Foreclosure: What You Should Know *

DO NOT DELAY. Although the California foreclosure process may take months to complete, a foreclosure can push through to completion faster than most home-owners can (1) digest the information being sent to them, and (2) remedy their situation. Many home-owners are falling victim to representations of banks, lenders, and/or loan servicers, who give home-owners hope that they will obtain a loan modification up until the home is actually sold at foreclosure auction. The hope that the banks, lenders, and/or servicers provide home-owners is often false hope. They string home-owners along so that the home-owners do not consult with legal counsel and protect their rights. All the while, the banks, lenders, and/or servicers push forward with foreclosure proceedings, and, often, the home is ultimately sold at foreclosure auction because the home-owners request for a loan modification is denied on the eve of the foreclosure sale.

DO NOT DELAY. Call The Law Offices of Rhett T. Francisco today and protect your home and your rights. We are litigators, not loan modifiers. We sue banks, lenders, and servicers. We don't ask them to help you, we make them help you.

Even if your bank, lender, or loan servicer is telling you that you may qualify for a loan modification, you should pursue litigation to stop your foreclosure as soon as you receive your Notice of Default. Far too many home-owners have lost their homes because they trusted their bank, lender, or loan servicer, pinned their hopes on asking for a loan modification, and did not pursue litigation to stop their foreclosure sale.

Below is a synopsis of California's Non-Judicial Foreclosure* timeline

Non-Judicial Foreclosure *

  • A Notice of Default is filed with the County Recorder after the first payment is missed
  • Within 10 business days of the filing of the Notice of Default, a copy is mailed to the borrower and all parties who have a legal interest in the property
  • Within 30 days of the filing of the Notice of Default, a copy of the Notice is sent by certified mail to all junior lien holders
  • After 90 days a date of is set for the Trustee's Sale
  • 25 days before the Trustee's Sale date, if applicable, a notice is sent to the I.R.S.
  • At least 20 days before the sale date, a published Notice of Trustee's Sale must run 3 consecutive weeks in a local newspaper and the Notice of Trustee's Sale must be posted on the property
  • 14 days before the sale the Notice of Trustee's Sale is recorded with County Recorder's office
  • 5 business days prior to the Trustee's Sale date, the borrower's right to reinstate expires
  • The property is sold
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