UNDERSTANDING A NOTICE OF DEFAULT

RECEIVING A NOTICE OF DEFAULT
If your payment is 30 days late or more, the bank may send you a notice of default (NOD), essentially telling you to “pay up, or else.” This NOD includes the property information, your name, the amount you’re delinquent, the number of days that you’re behind, and a statement indicating that you’re in default under the terms of the note and the mortgage you signed when you purchased your home.
The notice may also briefly explain that if the default is not cured immediately, the bank will be forced to take further measures, including foreclosure. Some notices are not that friendly and are, in fact, just a very coarse statement that you’re in default, the bank has elected to accelerate the mortgage and note, and you have x days to cure the default. If you don’t respond to your bank in a way that satisfies the bank, it eventually sends you a foreclosure notice. The foreclosure notice informs you that the bank has initiated foreclosure proceedings and scheduled the sale of your home at auction. It also includes the amount you currently owe, the percentage interest, the name of your bank, and contact information for the bank’s attorney. We are here to help you, call us 888.888.8641

 

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