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This does not necessarily occur after one or more payments are not met but for logistical reasons may occur after a loan is in substantial default â sometimes six months or more past due. This is known as the redemption period. The foreclosure process does not move forward for a minimum of 60 days.
The borrower typically gets 20 days to file an answer with the court (if the complaint and summons are served in person) or 30 days (if service is by mail or another method). (Learn more about the difference between a foreclosure summons and complaint.) Notice of a mandatory foreclosure settlement conference.