The first step in a foreclosure suit is the filing of a lis pendens. A lis pendens is recorded in the public records, putting the public on notice that a lawsuit has been filed against you. After your lender files the lis pendens and the Complaint, a process server will serve you with the lis pendens, the Complaint and the Summons. The Summons detail your rights and responsibilities regarding the lawsuit that has been filed against you.
Once you are served with the Summons, you typically have 20 days from the date of service to answer the Complaint. An Answer is your opportunity to respond to the Complaint and assert your legal defenses. It is very important that you answer and raise all possible defenses. Failing to answer will not only expedite the foreclosure process, but it may also waive any defenses that you may have to the foreclosure lawsuit.
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If you have not filed an appropriate answer within the provided period, your lender will request the Clerk of Court to enter a Default against you. A Default means that you are forfeiting your right to present arguments against foreclosure. After obtaining a Default, your lender will request a Summary Judgment hearing. Summary Judgment means that there are no material issues in the case, and that the judge should rule based on the law. Summary Judgment hearings are generally the last opportunity you have to be heard. The judge will enter a final judgment and specify the exact amounts owed to your lender, including principal, interest, attorney fees, expense, and court costs. At this time, the judge will also set a foreclosure sale date. The foreclosure sale is the last step of the foreclosure process. Generally set for 30-45 days after the final judgment, the foreclosure sale is when your property is auctioned off to the highest bidder.
Once the property is sold at auction, the Clerk of Court will enter a Certificate of Sale and serve a copy on each party. The Certificate of Sale tells the homeowner or resident that the property has been sold and provides them with the name of the new owner. If there are no objections to the sale within 10 days of filing the Certificate of Sale, the Clerk will issue a Certificate of Title. It is only when the Certificate of Title is filed that the sale is confirmed and title to the property passes to the purchaser.
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We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to