The foreclosure process in Columbus is judicial, and this makes it an expensive and time-consuming process. Foreclosure is something many homeowners try to avoid as much as they can. You can lose your home of over ten years in a matter of a few weeks, and that can be a traumatic experience. Foreclosure can be a complicated process, but if you have a good attorney working with you, you can stop foreclosure and save your home. A foreclosure process can only be initiated after you stop making payment on your mortgage loan. Your lender will notify you of any possible solutions to prevent foreclosure, and if you did not maximize the process, your lender would initiate foreclosure. The foreclosure process in Columbus is initiated when your lender files a petition to court demanding permission to foreclose your home.

The process can take a while before it is processed, and this is due to the court’s busy schedule. However, within a few days after your lender files a petition, you will receive a court’s summon, which will determine whether or not the foreclosure process can proceed. You must reply to the summon within 20 to 28 days, depending on the state’s law. If you fail to reply within the given days, the judge will give a final judgment of foreclosure, and your home will be auctioned off. However, if you intend to keep your home, you should have your lawyer reply to the court summon, stating every reason why your lender shouldn’t foreclose your home.

If your defenses are genuine, a hearing will be scheduled, and the court will hear you out, after which the judge decides which side is right. You can use the period before a hearing is held to explore other options to stop foreclosure. You should do this if you’re not sure you will win the case in court. Discuss more with your lawyer before taking any step.