Non-judicial foreclosure moves fast — and the lender must follow every rule to the letter. Any misstep is a defense you can use to stop the sale.
Texas can complete the process in just ~60 days. California takes 120+, Arizona ~90.
Notice, publication, and posting rules are strict statutory requirements — a single missstone can void the sale.
Unlike judicial foreclosure, you file the lawsuit — and seek a TRO to halt the auction.
If the lender doesn't actually hold the note and mortgage, the foreclosure is defective.
In a process this fast, you need experienced advocates who know every escape route and every statutory requirement. We move immediately to protect your home.
We review every step — notice, publication, posting, trustee authority, amounts, and deadlines — for statutory violations.
Reinstatement, modification, short sale — we push for the best resolution before the auction date.
When defects exist, we file suit immediately and seek a TRO or preliminary injunction to halt the auction.
If the sale proceeds, we pursue set-aside remedies and challenge defects that can void the sale.
Pay all arrears, fees, and costs. Available until 5 days before sale in most states. Reinstatement guide →
Submit complete application 37+ days before sale for dual tracking protection. Loss mitigation guide →
Automatic stay stops the sale immediately. Chapter 13 can cure arrears over 3-5 years. Bankruptcy guide →
Court order halting sale based on legal violations. Requires filing a lawsuit. TRO guide →
Trustee or lender may postpone 30 days while loss mitigation is reviewed.
File suit alleging wrongful foreclosure, RESPA/TILA violations, or fraud. Wrongful foreclosure guide →