Facing a Notice of Default or trustee sale in Whittier? Your documents and deadlines matter. We prepare the paperwork tied to California's non-judicial foreclosure steps so you can focus on your options.
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Most California residential foreclosures follow a non-judicial timeline governed by the Civil Code, starting with a recorded Notice of Default.
Under California Civil Code §2924, the lender (beneficiary) may record a Notice of Default after a loan secured by a deed of trust falls into arrears.
If the default is not cured, a Notice of Trustee Sale is recorded and posted — at least 90 days after the NOD (§2924).
Why timing is critical
The non-judicial process does not require a court summons or lawsuit in the ordinary course. Filing documents on its own does not automatically stop a sale. Reviewing your paperwork with an eye on your specific deadlines is the first step.
Ordinary California foreclosures are carried out by the trustee without a court proceeding. Understanding each step helps you identify where your documentation fits.
The beneficiary records a Notice of Default under §2924, opening the statutory clock and maintaining the trustee's authority to sell.
California law provides a period during which the default can potentially be cured prior to the trustee sale, subject to the loan terms and statute.
A Notice of Trustee Sale is recorded and posted at least 90 days after the NOD, with the auction set at least 21 days later.
The sale is conducted by the trustee at the location stated in the Notice of Trustee Sale. It is not held at the county courthouse.