Legal Question in Real Estate Law in Washington

Re: Notice of Default (Foreclosure)

First, beneficiary (usually lender) sends the notice of default. After 30 days, you will receive notice of trustee's sale and notice of foreclosure. You have ninety days from these notices until the trustee's sale. Eleven days before the sale is the deadline to become current on the default, usually monthly note payments, property taxes and anything else past due, like insurance payments. You will also be required to pay title report cost, trustee's fee, and other expenses of the foreclosure. After Trustee's sale, you will no longer own the house. If you don't move out, the new owner, usually the lender, can bring unlawful detainer action (eviction) or action in ejectment. If unlawful detainer action, you will be served with summons and complaint along with order to show cause in court, in 6-12 days after service on you. If you have no defense, writ of restitution will issue from court, served by sheriff. Then you will have ten days to vacate. If you don't vacate, sheriff will move you out. After the trustee's sale, the debt will be eliminated, but your credit may suffer.