Southern Marin County.

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Stage 1 Late Payments/Partial Payments/Missed Payments
Late charges begin when you are 30 days past due
Stage 2
3 Months 		Notice of Default (N.O.D.) recorded with County Recorder by your lender
Loan is sent to Foreclosure Department
Lender sends notice of breach of contract and publishes notice of sale date.
(Open all mail from your bank. It's important to stay on top of this.)
Stage 3
Planning

ALWAYS
HAVE A
PLAN B
 Do you want to sell your home? Considerations:
  • You owe far more than it's worth in this market;
  • Your income is substantially reduced (and might not increase), so you may choose to sell and set a new course;
  • You do not have enough income to pay property taxes? (Property taxes must be paid; this is not an option in any state);
  • Selling and scaling down and/or sharing a new home.
Do you want to keep your home? Considerations:

Stage 4
4 Months

111 days of missed payments. Your lender/loan servicer can sell your home. (If you have the means to catch up, it must be approximately two weeks prior to this.)

Stage 5
4+ Months

Trustee’s Sale - Forced Sale – Property Sold
Stage 6 Unlawful Detainer. Eviction Notice. Notice to Vacate.
New owners want you out of property.

Our Families

Photographer/Videographer Fred Harris volunteered to film Families Fighting Foreclosure for a reality T.V. show pilot program. Simon & SchusterWith Manny Fernandez, Executive Director of Marin Family Action, Mike Ilnicki and a group of video producers at N.P.A.T. (Novato Public Access Television), this video was films and has been sent to the producers.

It was well-received and have scheduled a date to proceed with a pilot.

Trying to save one's home from foreclosure is a nightmare. It is serious work and takes its toll on families and individuals.