A Notice of Default is used during non-judicial foreclosures and is generally sent 90-95 days after your last payment.

The notice will state the amount due and generally you will be given up to three months before a sale of your property occurs.

The notice will also have instructions informing you of how to stop the sale of your property.

After you receive the notice, the lender’s lawyer will file the notice and the notice will become a public record.

The notice provides a schedule of the foreclosure process to the public.

The notice is also sent to you via certified mail.