
Recent statistics show that California foreclosure filings have increased by 41% in the past year. If your home is in foreclosure, you are far from alone.
Fortunately, California law provides important protections for homeowners to challenge wrongful foreclosures and potentially stop the process.
Below, we explain how the foreclosure process works in California—specifically the Notice of Default (NOD) and the Notice of Trustee’s Sale (NOTS)—and what you can do to protect your home.
Notice of Default (NOD)
The NOD is the first formal step in California’s non-judicial foreclosure process, governed by California Civil Code § 2924. When a borrower falls behind on their mortgage payments, the lender—or more commonly, the trustee—records the NOD at the county recorder’s office in the county where the property is located.
Key Requirements
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