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Notice of Defaults - Beginning phase of the foreclosure process. The beneficiary (lender) will hire a trustee (third party) to prepare and process the Notice of Default. The trustee then records a copy of the Notice of Default with the San Diego County Recorder's office where the property is located. The trustor (borrower) has 90 days in which to cure the Notice of Default.

There are only four things an owner can do when they get into a default situation: Sell, Refinance, come current with the penalty and fines, or file for Bankruptcy.  Divorce is the number one reason for Defaults.

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