Foreclosure Defense in Honolulu

Honolulu is in Hawaii, which is a non-judicial foreclosure state. Hawaii allows both judicial and non-judicial foreclosure, with non-judicial being the most common. The process takes approximately 150-220 days. Hawaii's high cost of living and unique real estate market — with significant leasehold property — creates foreclosure scenarios not found on the mainland. The state has strong consumer protection laws.

In Hawaii, since it is a non-judicial state, there is no lawsuit to answer — but you must act quickly once you receive a Notice of Default. The timeline is short, and your options narrow the closer you get to the sale date.

Honolulu County foreclosure prevention assistance is available through the Legal Aid Society of Hawaii. The Hawaii Housing Finance and Development Corporation administers assistance programs. Hawaiian Community Assets provides HUD-certified housing counseling.

Yes, it is possible to keep your home even after the foreclosure process begins. Options include reinstating the loan (paying the past-due amount), negotiating a loan modification, filing for bankruptcy (which stops the foreclosure immediately via the automatic stay), or raising legal defenses that challenge the lender's right to foreclose. In Hawaii, many homeowners successfully save their homes through these methods — but early action is critical.