If you received a Notice of Default or Notice of Trustee's Sale, acting early can protect your options. Dream Legal Solutions helps Monterey County homeowners across Salinas, Monterey, Seaside, Marina, Pacific Grove, King City, and Soledad understand the California non-judicial trustee-sale process and prepare a response.
Notice of Default
Recorded with a 90-day cure period.
Primarily Non-Judicial
Public trustee sale, not a lawsuit.
Notice of Trustee's Sale
At least 21 days before auction.
Homeowner Bill of Rights
Dual-tracking and SPOC protections.
Tell us about your Monterey County property and we'll respond promptly.
In California, most foreclosures proceed through a non-judicial trustee-sale process. That means options tend to be strongest before the sale, so acting early can preserve more choices for Monterey County homeowners.
The process typically begins with a recorded Notice of Default. This starts the roughly 90-day cure/reinstatement window under the deed of trust.
Use the window to pursue reinstatement, loss mitigation, or a loan modification — while checking the notice for accuracy under the Homeowner Bill of Rights.
A Notice of Trustee's Sale schedules a public auction. In the ordinary path there is generally no post-sale redemption, so options are strongest before the sale date.
Approximate timing: From delinquency to a Notice of Default, the period is often around 120 days (approximate), and from delinquency to a trustee sale the overall timeline is often around 200+ days (approximate). These are general figures, not guaranteed statutory deadlines — always confirm the dates on your own notices.
Most California foreclosures are non-judicial trustee sales under the deed of trust and Civil Code § 2924 — they do not begin as a lawsuit. A separate judicial path exists if you are served with a summons.
Delinquency
Payments are missed, typically ~120 days before a Notice of Default is recorded (approximate).
Notice of Default (NOD)
Recorded, mailed, and posted. Starts a ~90-day cure / reinstatement period.
Notice of Trustee's Sale (NTS)
Recorded, mailed, and posted at least 90 days after the NOD. Sale scheduled at least 21 days after the NTS.
Public Trustee Sale
A public auction at the location designated in the Notice of Trustee's Sale. The overall process is typically ~200+ days (approximate).
Redemption: In the ordinary non-judicial trustee-sale path, there is generally no post-sale redemption period.
A judicial foreclosure is a separate process. It begins when the lender files a lawsuit and you are served with a summons and complaint. You generally must answer within 30 days. Judicial foreclosure is not the ordinary trustee-sale path.
Homeowner Bill of Rights (saved framework): § 2923.6 dual-tracking protections, § 2923.7 single point of contact, and § 2924.17 document accuracy.
The sale venue is the location designated in the Notice of Trustee's Sale. Court locations are for the judicial path only.
Information for Monterey County homeowners. Since most California foreclosures are non-judicial, the Superior Court may be relevant mainly if you receive a summons, complaint, or other court document.
Address
1200 Aguajito Rd, Monterey, CA 93940
Phone
(831) 647-5800
Hours
Mon-Fri 8:30AM-4PM
Court Document Reminder
Most trustee-sale foreclosures are non-judicial. If you receive a summons, follow its deadline.
Under the California Homeowner Bill of Rights, servicers must follow dual-tracking protections (§ 2923.6) and provide a single point of contact (§ 2923.7). A complete loss mitigation application can pause the sale while it is pending.
California requires accurate foreclosure documents. If notices contain material inaccuracies, they may be challenged through a separate civil lawsuit or court relief.
Serving homeowners across Monterey County — Salinas, Monterey, Seaside, Marina, Pacific Grove, King City, Soledad, and surrounding communities.
Having the right documents ready helps us understand your Monterey County situation and prepare a response tailored to California's non-judicial process.
The recorded notice that starts the California trustee-sale process.
Recorded notice of the scheduled public trustee sale.
The security instrument used in the non-judicial process.
Recent statements to review the arrears and payment history.
Letters and documents related to your loss mitigation application.
Any proposed or rejected modification paperwork.
These documents are for case review. No court filing is required in the ordinary California non-judicial trustee-sale path.
Common questions about the California non-judicial trustee-sale process for Monterey County homeowners.
Speak with Dream Legal about your Monterey County foreclosure situation.
Disclaimer: Dream Legal Solutions is not a law firm and does not provide legal advice. We provide pro se document preparation and foreclosure-assistance support. Timelines shown are general and approximate; they are not guarantees. Consult licensed counsel for legal advice about your situation.