We help Nevada homeowners understand foreclosure notices — including the Notice of Default, HB 356 Mediation Program, and Notice of Trustee Sale — review mortgage-servicing records and charges, organize their documents, and prepare for the next step.
Foreclosure document-preparation experience dating back to 1994
Confidential • No obligation
Most Nevada trustee-sale foreclosures are nonjudicial and may not begin as a court case. Court information may still be relevant if you received a summons, complaint, unlawful-detainer filing, bankruptcy papers, or another court document. Select your county for District Court details.
Choose your Nevada county from the dropdown to see your local District Court information, including address, phone number, hours, official website, self-help resources, and county recorder links.
Address
Phone
Hours
Court Document Reminder
Important: Most Nevada trustee-sale foreclosures are nonjudicial and proceed through recorded notices rather than a foreclosure lawsuit. Court information may still be relevant if you receive a summons, complaint, unlawful-detainer filing, bankruptcy papers, or another court document. Get a free case review →
For all Nevada District Courts, use the official Nevada Judiciary website .
Most Nevada foreclosures follow a non-judicial process under NRS Chapter 107. Based on where you are in the process (identified in the Process Navigator above), here is what may happen next — and what to consider at each stage.
After you miss payments, your servicer may send a breach letter — a final notice giving you a set time to catch up before the formal NOD is recorded.
The NOD is recorded at the county recorder's office under NRS 107.080. You have a 90-day cure period to pay the arrears. If owner-occupied, you have 30 days to elect HB 356 Mediation under NRS 107.086.
State-supervised mediation where the lender must produce the original note, deed of trust, and proof of authority to foreclose. Mediation can result in loan modification, forbearance, or settlement. The lender can be sanctioned for bad-faith participation under NRS 107.086.
The NTS sets the auction date — at least 21 days out. It must be recorded, posted on your property, published, and mailed. If mediation failed due to lender bad faith, sanctions under NRS 107.086 may apply.
The property is sold to the highest bidder. Nevada has no post-sale right of redemption for non-judicial foreclosures. Once the sale happens, your right to challenge ends.
Timelines vary based on your loan, servicer, court activity, mediation scheduling, postponements, bankruptcy filings, and loss mitigation review. This is general educational information, not a deadline calculation. Get a personalized timeline assessment →
When you request a review, our team examines the notice you received along with your mortgage records. We focus on identifying recording errors, notice defects, servicing violations, and other issues that may support document-preparation and organizational assistance.
We review the recorded NOD for compliance with NRS 107.080, including proper recording, mailing requirements, the stated reinstatement amount, and whether the NOD properly triggers HB 356 mediation rights for owner-occupied homeowners.
What we may check:
We review and organize your loan documents, payment records, servicer communications, and NOD records in preparation for Nevada's state-supervised foreclosure mediation program. Proper preparation is essential — the lender must produce original documents and the mediator can impose sanctions for bad faith.
We review payment history, escrow analyses, fee breakdowns, and account statements for accuracy and compliance. Nevada homeowners in non-judicial foreclosure often discover servicing errors that can form the basis of civil claims in NV District Court.
We organize the documents and may help prepare civil complaint packages, TRO applications, and court filing materials for NV District Court. We do not represent you in court or provide legal advice.
Every review is different. The specific documents we examine and the support we can provide depends on your individual situation, the notices you received, and the documents you share with us.
The review categories above include the following specific documents and records. Use this checklist as a quick reference when gathering your materials for Nevada foreclosure document preparation.
Reviewing the original Nevada deed of trust for terms, parties, trustee identification, and assignment history.
Comparing the servicer's payment record against your own records.
Checking whether the NOD was properly recorded and mailed under NRS 107.080.
Reviewing whether the NTS was properly recorded, published, posted, and mailed.
Checking escrow analysis statements for accurate tax and insurance disbursements.
Reviewing tax advances made by the servicer.
Identifying lender-placed insurance charges.
Reviewing late charges and default interest for compliance with loan terms and Nevada law.
Examining trustee and foreclosure fees for compliance with Nevada statutes.
Reviewing attorney fee line items and legal charges assessed to the account.
Identifying inspection fees and BPO charges.
Organizing the servicer communication history.
Reviewing modification applications, denials, and dual tracking.
Checking county recorder filings for chain of title and assignments.
Reviewing prior bankruptcy filings and their effect on the timeline.
Searching public records for additional foreclosure filings or liens.
The purpose of the review is to organize the record, identify questions or inconsistencies, and prepare documentation for the homeowner's next step.
If you have received a Notice of Default in Nevada, you have limited time. You have 30 days to elect HB 356 Mediation (if owner-occupied) — and Nevada has no post-sale redemption.
Collect your Notice of Default, mortgage statements, payment records, modification applications, denial letters, escrow analyses, and all servicer correspondence. The NOD must be reviewed before the 90-day cure period expires.
If your property is owner-occupied, you have 30 days from the NOD recording to elect Nevada's state-supervised foreclosure mediation under NRS 107.086. The lender must produce original documents and the mediator can impose sanctions for bad faith.
Dream Legal Solutions reviews your NOD and mortgage records for recording errors, notice defects under NRS 107.080, servicing violations, and other issues that may support civil claims in NV District Court.
Nevada requires you to file a civil complaint in District Court and obtain a TRO or preliminary injunction to halt the trustee sale. We prepare the documents — you present your case. Consult licensed Nevada counsel for legal advice and court representation.
Contact Dream Legal Solutions for a free, confidential review of your situation. We'll help you understand your options — including HB 356 mediation — and what document-preparation support may be available.
Every Nevada homeowner's situation is different. Use this guide to understand which options may be available based on your circumstances, timeline, and goals.
You received a Notice of Default and have approximately 90 days to cure. You have time to elect HB 356 mediation (if owner-occupied), pursue loss mitigation, and prepare a civil complaint for NV District Court.
Get document reviewYou are owner-occupied and want to elect Nevada's state-supervised foreclosure mediation. The 30-day election deadline is critical. The lender must produce original documents — and can be sanctioned for bad faith.
Prepare for mediationThe trustee sale is approaching fast. You need immediate professional review and emergency court filing. Nevada has no post-sale redemption — a TRO in NV District Court may be necessary.
Get emergency reviewYou received a document from your lender, servicer, trustee, or the court and you're not sure what it means. Bring it to us — we can help identify the document and explain what support may be available.
Identify my documentNevada homeowners facing a Notice of Default have several potential paths, including the unique HB 356 Foreclosure Mediation Program. Because Nevada has no post-sale redemption, pre-sale action is critical.
Paying the total past-due amount to bring the loan current during the 90-day cure period after the NOD is recorded. Verify the reinstatement figure for accuracy — lenders often include improper charges.
Nevada's unique state-supervised foreclosure mediation program. Owner-occupied homeowners can elect mediation within 30 days of NOD. The lender must produce the original note and can be sanctioned for bad faith under NRS 107.086.
Negotiating with the lender to change loan terms. HB 356 mediation can be a pathway to modification. A pending modification application may provide grounds for challenging dual tracking in a civil suit.
Filing a civil complaint in NV District Court with a TRO or preliminary injunction to halt the trustee sale. Claims may include TILA/RESPA violations, NV Deceptive Trade Practices Act violations, and wrongful foreclosure. Nevada has no post-sale redemption.
An agreement to pay the regular payment plus additional arrears over time. Can be negotiated during or outside of the HB 356 mediation process.
Professional document preparation to ensure your HB 356 mediation materials, civil complaint packages, and court filings are organized correctly and timely for NV District Court.
Important: Dream Legal Solutions is a document preparation service, not a law firm. We do not provide legal advice, file lawsuits, or appear in court. For legal advice, consult with a licensed Nevada attorney. Nevada has no post-sale right of redemption — act before the trustee sale occurs.
Nevada homeowners face foreclosure for many different reasons. Understanding your situation helps identify the best path forward — including whether HB 356 mediation is available.
Unexpected medical expenses or loss of income due to illness or injury. Nevada's tourism and service economy can amplify medical hardship impacts.
Layoff, furlough, or reduction in hours. Nevada's hospitality and gaming sectors are particularly vulnerable to economic cycles.
Adjustable-rate mortgage reset causing an unaffordable payment increase. Nevada homeowners may face sudden and significant payment jumps.
Marital dissolution affecting household income and mortgage affordability. The property may be jointly owned in a community property state.
Misapplied payments, escrow miscalculations, force-placed insurance charges, and unexplained fees inflating the balance on Nevada mortgage accounts.
Loan modification application denied despite reasonable eligibility. HB 356 mediation can be a pathway to revisit modification options.
Not responding to the NOD or not electing HB 356 mediation within 30 days. This is one of the most common and costly mistakes Nevada homeowners make.
Loan terms that were misrepresented or improperly disclosed. Nevada Deceptive Trade Practices Act claims may be available. Requires review of original loan documents.
Nevada's non-judicial foreclosure process is relatively fast. These common mistakes can cost you your home, your legal rights, and your access to the HB 356 mediation program.
Owner-occupied homeowners have only 30 days from the NOD recording to elect HB 356 mediation. Missing this deadline permanently waives the right to state-supervised mediation under NRS 107.086.
Nevada has NO post-sale right of redemption. Once the trustee's deed is recorded, you cannot get the property back. Every day you wait after receiving the NOD reduces your options.
The NOD starts the 90-day cure clock AND the 30-day HB 356 election deadline. Ignoring it means you lose both the right to cure and the right to mediation.
HB 356 mediation requires the lender to produce original documents. If you are not prepared with your own records — payment history, modification applications, correspondence — you cannot effectively challenge the lender's claims.
Defects in the Notice of Default — improper recording, insufficient mailing, wrong amounts — are grounds to challenge the foreclosure. Review the NOD carefully under NRS 107.080.
Making partial payments or paying amounts that don't match the actual arrears may not stop the foreclosure. Verify the accuracy of the reinstatement figure first — lenders often include improper charges.
Nevada's non-judicial foreclosure process relies on recorded notices. Understanding which notice you received and what it means is critical — especially with the 30-day HB 356 mediation deadline.
Before recording a formal Notice of Default, the servicer typically sends a breach or demand letter giving you a deadline to cure the default. This is NOT yet a formal foreclosure filing.
Key points:
Under NRS 107.080, the NOD is recorded at the county recorder's office. It starts the 90-day cure period. If owner-occupied, homeowners have 30 days to elect HB 356 mediation under NRS 107.086.
Key points:
The NTS sets the auction date — at least 21 days out. It must be recorded, posted on your property, published in a newspaper, and mailed to you. If mediation failed due to lender bad faith, sanctions under NRS 107.086 may apply.
Key points:
After the trustee sale occurs, a Trustee's Deed Upon Sale is recorded transferring title to the purchaser. Nevada provides no post-sale redemption period for non-judicial foreclosures.
Gather these documents to prepare for your document review and HB 356 mediation. Having everything organized saves critical time — Nevada's 30-day mediation election deadline moves fast.
Tip: The most urgent documents are the Notice of Default, recent mortgage statements, and the HB 356 mediation election form. If you're owner-occupied, the 30-day mediation election clock starts when the NOD is recorded.
Here's what happens when you reach out to us for Nevada foreclosure document-preparation support. We focus on organizing your documents, identifying issues, and preparing materials for your next steps — including HB 356 mediation preparation.
We'll ask about your situation and request the key documents — your Notice of Default, HB 356 mediation election form, mortgage statements, and servicer correspondence. This is free and confidential.
We review your NOD, NTS, statements, and records to identify errors, inconsistencies, and potential issues. We organize the materials for clarity and document-preparation purposes — including HB 356 mediation preparation.
Based on the review findings, we prepare civil complaint packages, TRO applications, HB 356 mediation document packages, and other court-ready documents for NV District Court filing.
As your situation develops — mediation sessions, postponements, new notices, modification decisions — we continue to review and prepare updated documents as needed within the scope of our document-preparation services.
Important: Dream Legal Solutions provides document-preparation and educational support, not legal advice or court representation. We do not represent homeowners at HB 356 mediation sessions. Results are not guaranteed. Nevada has no post-sale redemption — act before the trustee sale.
Links to official Nevada and federal resources for homeowners facing foreclosure. These links are provided for educational purposes.
Nevada Judiciary
Official NV courts website — District Court info, forms, and self-help. nvcourts.gov
Nevada Housing Division
Foreclosure prevention, housing counseling, and assistance. business.nv.gov
Nevada Attorney General
Consumer protection, foreclosure scam reporting. ag.nv.gov
HUD Housing Counselor
Find HUD-approved housing counseling agencies. hud.gov/findacounselor
CFPB Complaint Portal
Submit complaints about mortgage servicers. consumerfinance.gov
FTC Mortgage Relief
Identify and report mortgage relief scams. ftc.gov/mortgages
Disclaimer: Dream Legal Solutions is not affiliated with, endorsed by, or partnered with any of the organizations listed above. These links are for informational purposes only.
Federal laws provide important protections for homeowners in Nevada facing foreclosure. While Nevada is a non-judicial state, federal violations can form the basis of civil claims in NV District Court.
Requires accurate disclosure of loan terms, APR, and finance charges. Material TILA violations may support rescission rights. 15 U.S.C. § 1601 et seq.
Requires servicers to respond to QWRs and prohibits dual tracking. 12 U.S.C. § 2605.
Prohibits deceptive, unfair, and abusive debt collection practices. 15 U.S.C. § 1692.
Establishes mortgage servicing standards including error resolution and loss mitigation. 12 CFR Part 1024.
Additional protections for high-cost loans. 15 U.S.C. § 1639.
State law prohibiting deceptive acts in mortgage lending and servicing. Treble damages and attorney's fees may be available. NRS 598.0903 et seq.
These laws are complex and their application depends on your specific circumstances. Federal protections provide potential claims in civil lawsuits — but they do not automatically stop a non-judicial foreclosure in Nevada. Request a document review to get started →
Notice of Default (NOD)
Filed after minimum 120 days delinquency. Recorded with county recorder. 90-day cure period begins.
HB 356 Mediation Election
Owner-occupied homeowners can elect state mediation within 30 days of NOD. This can delay the process significantly.
Notice of Trustee Sale (NTS)
If lender fails to negotiate in good faith, sanctions apply under NRS 107.086
Nevada is a non-judicial foreclosure state under NRS Chapter 107, with the unique HB 356 Foreclosure Mediation Program providing additional homeowner protections.
Under NRS 107.086, owner-occupied homeowners can elect state-supervised foreclosure mediation within 30 days of receiving the NOD. The lender must produce original loan documents, the note, and proof of authority to foreclose. Mediation can result in loan modification, forbearance, or settlement — and the lender can be sanctioned for bad-faith participation.
The Nevada Deceptive Trade Practices Act (NRS 598.0903 et seq.) prohibits deceptive acts in mortgage lending and servicing. Violations can form the basis for civil claims with statutory damages and attorney's fees — powerful leverage in non-judicial foreclosure defense.
Nevada provides NO post-sale right of redemption for non-judicial foreclosures under NRS 107.080. Once the trustee sale is completed, the property is permanently transferred. Pre-sale action — HB 356 mediation election AND civil lawsuit with TRO — is essential.
NV non-judicial foreclosures are governed by NRS Chapter 107:
| Stage | Timeline | Legal Authority | Homeowner Action |
|---|---|---|---|
| Notice of Default (NOD) | Recorded after ~120 days delinquency; 90-day cure period | NRS 107.080 | Elect HB 356 mediation within 30 days if owner-occupied |
| HB 356 Mediation | 30 days to elect; mediation scheduled within 90 days | NRS 107.086 | Attend prepared — lender must prove standing and produce documents |
| Notice of Trustee Sale (NTS) | 21+ days before sale; published and posted | NRS 107.080 | File civil suit + TRO in NV District Court before sale |
Remedy: Rescission, statutory damages, plus NV DTPA remedies.
Remedy: Actual damages, statutory damages up to $2,000, attorney's fees.
Complete preparation for Nevada's foreclosure mediation program — document packages, settlement proposals, and evidence of lender violations.
NV District Court complaints with TILA/RESPA claims and injunction applications to halt trustee sales in Clark, Washoe, and all NV counties.
Loan document review identifying TILA/RESPA/HOEPA violations for use in NV mediation and civil court proceedings.
Documents formatted for Clark County (Las Vegas), Washoe (Reno), and all other Nevada District Courts.
Homeowners across Nevada's 17 counties who used our document preparation services for HB 356 mediation and District Court filings.
"Las Vegas, Clark County. The NOD came and I had 30 days to elect HB 356 mediation. Dream Legal had all my mediation documents prepared — loan analysis, payment history, everything. The mediation went well and I got a modification."
— James R., Las Vegas, Clark County
"Reno, Washoe County. The forensic audit found RESPA violations in my escrow account going back two years. They prepared my civil complaint for Washoe District Court. The documents were impeccable — every NV statute properly cited."
— Maria G., Reno, Washoe County
"Henderson area. I was in non-judicial foreclosure and the trustee sale was 21 days out. Dream Legal prepared my TRO application and civil complaint in under 48 hours. Clark County District Court accepted everything without issue."
— David K., Henderson, Clark County
"Carson City. The NOD recording was defective — wrong trustee identification and incorrect reinstatement amount. They documented every NV statute violation and my civil complaint cited NRS 107.080. Communication was outstanding."
— Linda S., Carson City
"Sparks, Washoe County. Dual tracking was happening — the bank was proceeding with foreclosure while my modification was pending. They prepared a comprehensive NRS 598 claim package. The lender backed off within a week."
— Robert T., Sparks, Washoe County
"Elko County. Rural Nevada — I worried about access. But everything was handled remotely. The HB 356 mediation documents arrived within 72 hours. The court filing package for Elko District Court was flawless. Truly grateful."
— Patricia W., Elko, Elko County
Individual results will vary. Testimonials reflect personal experiences and opinions. Dream Legal Solutions is a document preparation service and is not a law firm. We do not guarantee any legal outcome.
NV's HB 356 mediation program gives homeowners a powerful tool. We prepare mediation documents, civil complaints, and injunction applications for all 17 Nevada counties.
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