11 Procedure Guides
Foreclosure Court Procedures
Procedure decides foreclosure cases as often as the facts do. These step-by-step guides cover what to file, when the deadline falls, and how each procedure moves a case forward.
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- 1Answering a Foreclosure ComplaintThe first responsive filing — and the deadline that decides whether you get to defend at all.
- 2Filing a Notice of AppearanceHow to formally enter a case so the court and the lender must serve you with every filing.
- 3Pleading Affirmative DefensesThe defenses that must be raised in your answer or are waived — standing, robo-signing, and more.
- 4Motion to DismissAsking the court to throw the case out before it reaches the merits.
- 5Discovery in ForeclosureForcing the lender to produce the note, the chain of title, and the records behind its case.
- 6Responding to Summary JudgmentWhat to file when the lender asks the court to rule without a trial — and how to defeat it.
- 7Filing an Emergency TROEmergency relief to stop a sale that is already scheduled or imminent.
- 8Vacating a Default JudgmentReopening a case you lost by default, and the deadlines that control the motion.
- 9Applying for Loan ModificationRunning a loss mitigation track alongside the litigation instead of against it.
- 10Requesting Foreclosure MediationStates with a statutory mediation program, and how to invoke it before the sale.
- 11Bankruptcy & the Automatic StayHow a bankruptcy filing stops collection and a scheduled sale the moment it is filed.
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