[et_pb_mhmm_inline_menu menu=”mobile-directions” menu_item_alignment=”left” menu_item_color=”#ffffff” menu_item_background_color=”#4d0d1b” menu_item_hover_color=”#ffffff” menu_item_hover_background_color=”#e4bb55″ menu_item_active_color=”#ffffff” menu_item_active_background_color=”#e4bb55″ module_class=”fl-directions-menu” admin_label=”Directions Menu” _builder_version=”3.21″ menu_item_font=”Roboto||||||||” menu_item_font_size=”17px” custom_padding=”12px|12px|12px|12px”][/et_pb_mhmm_inline_menu]
Bird & Van Dyke, Inc. - A Professional Law Corporation

Local Attorneys, Local Representation

Free Initial Consultation

Stockton 209-390-8877

PLEASE NOTE: To protect your safety in response to the threats of COVID-19, we are offering our clients the ability to meet with us in person, via telephone or through video conferencing. Please call our office to discuss your options.

Bird & Van Dyke, Inc. - A Professional Law Corporation
STOCKTON
TRACY
Contact us for a
Free Initial Consultation

PLEASE NOTE: To protect your safety in response to the threats of COVID-19, we are offering our clients the ability to meet with us in person, via telephone or through video conferencing. Please call our office to discuss your options.

Local Attorneys, Local Representation

We help clients throughout Northern California overcome their legal challenges and move forward with their lives.

A Former Prosecutor Working For You.

Our inside knowledge gives clients the edge they need to defend themselves against criminal charges.

Get Compensation After An Accident

At Bird & Van Dyke, we help clients put the pieces back together after being injured in an accident.

Meet Our Legal Team

Contact us at 209-390-8877 to schedule a free consultation.

LOCAL ATTORNEYS, LOCAL REPRESENTATION
LOCAL ATTORNEYS, LOCAL REPRESENTATION

In the state of California, many foreclosures occur when you fail to repay loans to your lenders on time.

Whether you are struggling to balance your budget or you missed notices, you can take steps to avoid losing your home.

Rules and guidelines

According to the California Courts, most foreclosures occur nonjudicially, meaning that you do not settle any legal issues regarding bankruptcy in a court. Instead, the party that lends the money may force the borrower to sell his or her house through a Notice of Sale.

Process

The lender personally alerts the borrower 30 days before the official legal start of the bankruptcy process. In order to prevent confusion, you should immediately open and respond to any warnings from your lender. Not opening your mail is not an excuse that can prevent further legal action against you.

Contacting your lender for a meeting within 14 days, along with arranging for an advisor or other professional to help argue your case, will help bolster your argument.

Final notices

However, in cases where a deal is not reached within the time limit, you may receive a Notice of Default. Since this notice is public, anyone can see it and potentially try to scam you by sending out fake noticies. Any for-profit agency offering you a document that promises to take away your debt completely may be a scam.

If 90 days pass after you receive the Notice of Default without any additional payments or contact, you will then receive a Notice of Sale. This indicates the trustee will put your house up for bid at a public auction within 21 days. Taking steps and keeping communication lines open can help prevent your home from getting sold at an auction.