Foreclosure Process Judicial flowchart

1. Foreclosure Process - Judicial
• The client’s short sale or loan
modification continues as
planned
• If an answer is filed, Cogburn
Law begins the litigation process
with the lender through the court
system
20 Days120 Days 6 Months +
• After mortgage holder defaults
on mortgage payments, the
lender files suit to begin the
foreclosure process
• The client is served with a legal
summons/lawsuit
• Please note that this timeframe
can vary, as judicial foreclosures
are rare due to the expense to
the lender
• The client contacts Cogburn Law
Offices immediately regarding
receipt of the legal summons, as
the client only has 20 days to
respond
• If necessary, Cogburn Law
Offices will file an answer