Posted On: August 16, 2011

What are the Steps for Home Foreclosure In Sacramento?


Whenever a home foreclosure is filed in Sacramento, there is a particular set of steps that will occur. The first step requires the lender to file a Notice of Default with the County Recorder. A notice of the filing is sent to the borrower, who then has the option to pay off the delinquent amount plus any foreclosure costs, in effect stopping the foreclosure.

Ninety days later, a Notice of Sale is posted on the property and in one public location near the home. This notice must be published in a local newspaper once each week for three weeks beginning at least twenty days before the final step—the Trustee Sale Auction. The notice must contain certain information, most specifically the date, time, and location of the sale along with the property address and contact information for the trustee. It must also be recorded with the County Recorder at least 14 days prior to the sale or the home foreclosure cannot proceed.

The final step is the Trustee Sale Auction, which is a public auction that is conducted by a representative of the lender. Whoever wins the auction must immediately pay the full amount of their bid in cash or with a cashier’s check. In return, he or she will then receive a trustee’s deed and become the legal owner of the property.

If you have a question regarding Foreclosure in California please contact us at and we can connect you with one of our experienced California Bankruptcy Attorneys . Bankruptcy Law Firm can assist you with all aspects of your bankruptcy case. If you have questions about filing a Chapter 7 bankruptcy, a Chapter 11 bankruptcy, a Chapter 13 bankruptcy, lien stripping , a cram down, stopping a foreclosure or wage garnishment, asset protection, discharging debt, etc. we can help! We have bankruptcy attorneys located throughout California and Oregon who can assist in all of these important areas. Please complete our free bankruptcy evaluation and we can quickly determine if you are a qualified candidate for bankruptcy.

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