If you are facing some kind of legal challenge and you have made the choice for whatever reason not to hire the services of legal counsel, but you don’t have a clue where to start there are some really good sources for information and I hope this helps get you where you want to be. From my own experience however, if you have something urgent pending and you are thinking of going this alone, please reconsider your position and what ever it is you stand to loose and seek counsel from a competent legal professional.
If you are here due to a foreclosure issue, your issues are generally going to be of a civil nature, but there may be some actions that have been taken against you or your property that would be of a criminal nature and some of them could be felonies in most states. The commentary on this page is generally devoted to researching the civil issues of a foreclosure but may occasionally and inescapably touch on some criminal issues as well.
If one shows a security instrument titled “Mortgage” this would generally indicate that the state in which the property is located is considered a “judicial foreclosure” state in which a foreclosing party must file a suit for foreclosure in a civil court and the defendant party (borrower) would receive a citation and summons to appear.
If one has a security instrument titled “Deed of Trust” this would indicate that the state in which the property is located is a “non-judicial foreclosure” state in which a foreclosing party need not file a suit for foreclosure. If the borrower does not cure the alleged default the property will be auctioned. After the auction the borrower will receive a 3 day notice to vacate and if the borrower does not vacate the foreclosing party would file a forcible detainer action in a civil court and the borrower would receive a citation and summons to appear.