Foreclosure, Default and Debt
The nonjudicial foreclosure process in California and the protections that surround it.
All 5 articles on this subject
The California Nonjudicial Foreclosure Process
Most California foreclosures happen without a court. The notice of default, the notice of sale, the timeline, and where a homeowner can still act.
4 min readBankruptcy and a California Foreclosure
A bankruptcy filing stops a foreclosure sale immediately through the automatic stay. Whether it keeps the house is a different question, and the stay can be lifted.
3 min readDeed of Trust vs Mortgage in California
California lenders take a deed of trust, not a mortgage. The difference decides how fast a lender can foreclose and what you owe afterwards.
3 min readOptions When a California Foreclosure Has Started
California foreclosure options and Civil Code 2944.7's advance-compensation rule for modification or forbearance work on homes with four or fewer units.
3 min readThe One-Action Rule and Anti-Deficiency Rules
Three rules decide whether a lender can pursue you personally after a foreclosure. Which applies depends on the loan, the property and the method.
4 min read