Notice of Default Basics

on Wednesday, 27 March 2013.

Dates Are Crucial

In Washington State the Notice of Default is the second notice the lender is required to issue. It follows the Notice of Pre-Foreclosure Options (NOPFO). The Notice of Default (NOD) cannot be issued before thirty days of the date of the NOPFO letter if you have not responded to the NOPFO. If you have responded to the NOPFO, a Notice of Default cannot be issued before ninety days of the date of the NOPFO. The Notice of Default starts the foreclosure process.

What You Need to Know

The NOD will be posted to your property, for example, taped to the front door of your home. A copy of the notice will also be sent to you certified mail. As with all correspondence during this process you should keep all envelopes along with the letters/notices.

If you do not have a housing counselor, contact one immediately. You have thirty days from the date of the NOD to have mediation requested; you will need a housing counselor or an attorney to request mediation for you.

It’s also important for you to stay in contact with your lender.

Basics of the Mediation   

Mediation will most likely be scheduled within seventy days from when it’s requested. There will be a cost of $200.00, to be paid to the mediator before the mediation takes place. The mediation will take place in person. It may be done over the phone, but that must be agreed to by ALL parties. You can have your housing counselor or attorney there to represent you. Also present, will be a representative of the lender, usually via telephone, the lender’s attorney, and a third party mediator.

*Please be aware that not all lenders are required to participate in mediation.

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Thank you for taking the time to talk to me and put my heart at rest! I look forward to working with you to stay in our home.  I have an appointment with a housing counselor your referred us to and I will give you an update once that occurs.  Again, it meant so very much to me that you took the time to give me hope.
A. F.
There are no words to say how much you did for us and how much you helped us, you basically saved us.
B. A.
I want to say a huge thank you.  It feels a million times better knowing where we will be living, that we don't have to move, and I can actually afford to live here.  My life is no longer on hold, and we have been able to make plans for the first time in ages. There is no more black cloud of uncertainty hanging over my head always, waiting for the bank to dictate so much of my life. Thank you, thank you, thank you!
C. K.