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Posted On: October 18, 2010 by Scott Sagaria

What is foreclosure and how can I avoid it?

A San Francisco bankruptcy attorney blogs on foreclosures.

A foreclosure occurs when the lender acts on a default by the borrower and holds a sale in order to generate money to satisfy the loan balance. Unless the borrower is able to satisfy the delinquent balance the lender will sell the property at a foreclosure sale.

In order to avoid foreclosure it is best to make your current monthly mortgage payments to your lender. If you are unable to make your currently mortgage payment you will likely receive a notice of default, which is the first step in the foreclosure process. It may be possible to request a loan modification to reduce the monthly mortgage payment and allow the lender a chance to become current.

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Posted In: Foreclosure

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