• Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.

Timeline Of Foreclosure

Falling behind on mortgage payments can be a very stressful situation. We’ve heard from many potential clients that they are behind on their mortgage and they can feel a foreclosure coming.

It might provide some homeowners peace of mind to know the timeline of a foreclosure.

Often, when a homeowner is behind on their mortgage by 60 to 90 days, the lender will begin the foreclosure process.

  • The foreclosure process begins with the lender filing a Notice of Default (NOD) with the county recorder.
  • Within ten days of the NOD being filed, the trustee mails a copy of the NOD and the filing date to the defaulting borrower.
  • After 30 days, a follow-up NOD is mailed to the borrower.
  • After 90 days, the sale date, time and location for the auction may be set, unless the borrower has filed for bankruptcy. Bankruptcy can halt the process and protect the borrower through the automatic stay. This ceases the process during the active bankruptcy.
  • If the borrower does not file bankruptcy, the IRS is notified of the pending sale date at least 25 days prior to the event.
  • Twenty days before the auction, public notices are published in newspapers and run for three consecutive weeks. Concurrently, a Notice of Sale (NOS) is posted on the property and sent to the borrower and all involved parties. The NOS is also recorded in the county recorder’s office 14 days prior to the sale.

If you are concerned that you may be facing a foreclosure in your future, bankruptcy may be an option to help you remedy the arrears and keep your home. Contact your Stockton bankruptcy attorney for more information.

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