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Foreclosure Process

Foreclosure occurs when you fall behind in your mortgage obligations and your lender proceeds to take legal action to reclaim your property and sell it at a public auction. There are two basic types of foreclosures. Most states, including California, follow the non-judicial foreclosure process. Other states follow the older more traditional process of judicial foreclosure. Additionally, you will find that every state has slightly different rules and procedures so it is strongly advised to check the specific foreclosure rules of your state.