{"id":468,"date":"2025-06-12T19:12:44","date_gmt":"2025-06-12T19:12:44","guid":{"rendered":"https:\/\/voklaw.com\/blog\/?p=468"},"modified":"2025-07-02T15:56:13","modified_gmt":"2025-07-02T15:56:13","slug":"understanding-the-notice-of-default-nod-and-notice-of-trustees-sale-nots","status":"publish","type":"post","link":"https:\/\/voklaw.com\/blog\/understanding-the-notice-of-default-nod-and-notice-of-trustees-sale-nots\/","title":{"rendered":"Understanding the Notice of Default (NOD) and Notice of Trustee\u2019s Sale (NOTS)"},"content":{"rendered":"

Recent statistics show that California foreclosure filings<\/a> have increased by 41% in the past year. If your home is in foreclosure, you are far from alone.<\/p>\n

Fortunately, California law provides important protections for homeowners to challenge wrongful foreclosures<\/a> and potentially stop the process.<\/p>\n

Below, we explain how the foreclosure process works in California\u2014specifically the Notice of Default (NOD) and the Notice of Trustee\u2019s Sale (NOTS)\u2014and what you can do to protect your home.<\/p>\n

Notice of Default (NOD)<\/strong><\/h2>\n

The NOD is the first formal step in California\u2019s non-judicial foreclosure process<\/a>, governed by California Civil Code \u00a7 2924<\/strong><\/a>. When a borrower falls behind on their mortgage payments, the lender\u2014or more commonly, the trustee\u2014records the NOD at the county recorder\u2019s office in the county where the property is located.<\/p>\n

Key Requirements of the NOD:<\/strong><\/h2>\n

\u2022 It must be recorded and mailed to the borrower, any junior lienholders, and others entitled to notice within 10 business days of recording.
\n\u2022 It must specify the nature of the default, the amount of payments in arrears (plus late fees and other charges), and provide contact information for the lender or servicer.
\n\u2022 It must include a declaration of compliance with the Homeowner Bill of Rights if the property is an owner-occupied residence, confirming that the lender contacted the borrower (or attempted contact) to explore foreclosure alternatives.<\/p>\n

After the NOD is recorded, the borrower has at least 90 days to cure the default by paying the amount specified in the notice. This is called the \u201creinstatement period.\u201d If the borrower pays the amount due, the foreclosure process stops.<\/p>\n

Notice of Trustee\u2019s Sale (NOTS)<\/strong><\/h2>\n

If the borrower does not cure the default within the 90-day reinstatement period, the trustee may proceed by recording a NOTS. This step is also governed by California Civil Code \u00a7 2924f<\/strong>.<\/p>\n

Key Requirements of the NOTS:<\/strong><\/h2>\n

\u2022 It must be recorded, posted on the property, and mailed to the borrower and other interested parties at least 20 days before the scheduled auction date.
\n\u2022 It must specify the date, time, and location of the foreclosure sale, as well as the trustee\u2019s contact information and a statement that the property will be sold at public auction to the highest bidder.
\n\u2022 It must include language explaining the borrower\u2019s right to reinstate the loan up to five business days before the sale date (the \u201cright of reinstatement\u201d under Civil Code \u00a7 2924c<\/a>).<\/p>\n

The Auction Process<\/strong><\/h2>\n

If the borrower does not reinstate or pay off the loan, the trustee\u2019s sale proceeds at public auction. During the auction:
\n\u2022 Bidders must bring cash or cashier\u2019s checks to pay the full amount of the winning bid.
\n\u2022 The auctioneer announces opening bids and accepts subsequent bids from registered participants.
\n\u2022 The highest bidder receives a trustee\u2019s deed upon sale, extinguishing the borrower\u2019s ownership interest (subject to certain statutory exceptions).<\/p>\n

Preventing Foreclosure and Protecting Your Rights<\/strong><\/h2>\n

A skilled California real estate litigation attorney<\/a> can help you fight foreclosure by:
\n\u2022 Challenging improper notice or procedural defects in the NOD or NOTS.
\n\u2022 Identifying violations of the California Homeowner Bill of Rights<\/a>, including dual tracking or failure to provide a single point of contact.
\n\u2022 Pursuing claims against the lender for unfair or deceptive practices.
\n\u2022 Seeking loan modifications or other loss mitigation alternatives.<\/p>\n

Every foreclosure<\/a> case is unique. Knowing your rights and securing the help of a lawyer<\/a> to assert them is critical to protecting your home.<\/p>\n

Fight the Foreclosure Process with Expert Help<\/strong><\/h2>\n

Understanding California’s foreclosure process<\/a> is step one toward protecting your property.\u00a0 At Vokshori Law Group, <\/strong>our attorneys work with property owners across California to challenge the legal authority of foreclosing banks.<\/p>\n

Our years of experience and client-centered approach have led us to dozens of victories, and we’re excited to add you to our list. Contact us to schedule a free consultation<\/a>\u00a0and learn why we stand out.<\/p>\n

Call us at (855) 855-2608<\/strong><\/a> or visit www.VokLaw.com<\/a> to learn more.<\/p>\n","protected":false},"excerpt":{"rendered":"

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\u2014specifically the Notice of Default (NOD) and the Notice of Trustee\u2019s Sale (NOTS)\u2014and what you can do to protect your home. Notice of Default (NOD) The NOD is the first formal step in California\u2019s non-judicial foreclosure process, governed by California Civil Code \u00a7 2924. When a borrower falls behind on their mortgage payments, the lender\u2014or more commonly, the trustee\u2014records the NOD at the county recorder\u2019s office in the county where the property is located. Key Requirements of the…<\/p>\n","protected":false},"author":4,"featured_media":474,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,28],"tags":[],"class_list":{"0":"post-468","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"category-real-estate"},"yoast_head":"\nUnderstanding the Notice of Default (NOD) and Notice of Trustee\u2019s Sale (NOTS)<\/title>\n<meta name=\"description\" content=\"View our latest blog: Understanding the Notice of Default (NOD) and Notice of Trustee\u2019s Sale (NOTS). 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