Sale date
If a sale or hearing date exists, state it clearly when contacting the office.
Urgent intake guide
What to gather first when a home is facing foreclosure.
Foreclosure-driven files need both timing awareness and complete mortgage records. Start with the sale date or default papers, then add the rest of the income and household documents under the same submission.
01
Upload First
The mortgage records that usually matter first in a foreclosure intake.
- Foreclosure complaint, sale notice, sheriff's sale date notice, default letter, or other active mortgage-enforcement papers.
- Most recent mortgage statement and any arrearage or escrow information.
- Recent pay stubs, tax returns, and bank statements.
- Homeowner's insurance information, property tax information, and any modification or loss-mitigation paperwork if available.
- Photo ID and Social Security card.
02
What To Explain
The details that usually matter when the timeline is driven by a property deadline.
Occupancy
Explain whether the home is your residence, rental property, or otherwise occupied differently than the loan documents expect.
Modification efforts
If you already applied for a modification, uploaded documents, or received a denial, say so and upload those records.
What is missing
State whether statements, payoff information, or tax/insurance records are still being requested.
03
Related Pages
Use these related pages when the foreclosure file overlaps with other problems.
Chapter 13 guide
Use this page when the larger review depends on mortgage arrears, secured debt, and plan-feasibility documents.
Repossession guide
If the file also includes a vehicle problem, this page covers what usually matters first there.
Wage garnishment guide
If wages are also being taken, use the garnishment page so that payroll-related urgency is covered too.
Secure upload
Keep the foreclosure papers and the rest of the financial records in one submission record.
Facing a potential foreclosure deadline?
Start with the active mortgage papers and current statement, contact the office, and keep building the same submission with the rest of the household financial records.