Utah

Utah Foreclosure Process

Foreclosure NoticeSecurity Instrument(s): Trust Deed.

Foreclosure Type(s): Non-judicial.

Non-judicial Foreclosure: A foreclosure process where a third party Trustee has the power to foreclosure and initiate a sale based on a Trust Deed instrument.

Initial Public Notice: Notice of Default.

Estimated Foreclosure Process Period: 142+ days.

First Notice to Sale Time Period:142+ days.

Redemption Period?: Sometimes. Court decides in confirmation.

Deficiency Balance?: Yes.

* * * This information represents MRP’s current understanding of the Utah foreclosure process. For the most detailed and up to date information, your should contact your local county government.* * *

Stop Foreclosure!Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure or Notice of Foreclosure Sale/Auction, you need a foreclosure defense attorney or foreclosure litigation attorney to effectively represent your interests. If you have received one of these notices, contact us today regarding appropriate legal options!

Foreclosure Defense Attorneys

foreclosure defense attorneysForeclosure defense attorneys can answer complaints, file counter-claims and motions, and represent you at hearings, mediation, and during the entire negotiation process. A foreclosure defense attorney will fight to defend your rights, and achieve the best possible outcome in loan modification, reinstatement, forbearance, principal reduction, and other foreclosure alternatives.

► ► Find A Foreclosure Defense Attorney In Utah! ◄ ◄

► ► Complete the Foreclosure Defense Attorney Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

foreclosure litigation attorneysIn recent years, legislators have passed new laws which give consumer protection rights to homeowners, and provide statutory damages for violations. Accordingly, many homeowners are now hiring foreclosure litigation attorneys to sue their lenders, and use other aggressive legal tactics to stop the foreclosure process, resolve their mortgages, and obtain corrective and monetary relief.

► ► Schedule A Litigation Attorney Consultation! ◄ ◄

► ► Take The Lender Litigation Test! ◄ ◄

IMPORTANT, PLEASE READ: If you no longer occupy or legally control a property, but seek monetary and corrective damages for wrongful foreclosure and related legal issues, please visit the Wrongful Foreclosure Damages page to learn about available legal services.

HUD SealHUD Approved Foreclosure
Avoidance Counseling Agencies
Located in Utah

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services. Organizations are listed in alphabetical order, by city.

Foreclose Defense Attorney ConsultationIn many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced attorney is in the best position to represent you in mortgage negotiations and foreclosure proceedings. In fact, THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. Negotiating yourself or through a non-attorney third party can even be detrimental. Before you do anything else, we recommend a NO COST ATTORNEY CONSULTATION or completing our FORECLOSURE DEFENSE ATTORNEY EVALUATION.

National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America,
located in Utah

Agency Name Phone
Website
Address Languages
Community Action and Foodbank Services Phone: 801-373-8200
Web: www.communityactionprovo.org
815 South Freedom Boulevard
Provo, Utah 84601
– English
NeighborWorks Provo Phone: 801-375-5820
Web: www.neighborworksprovo.org
39 West 300 North
Provo, Utah 84601
– English
AAA Fair Credit Foundaiton Phone: 8016561610
Web: www.faircredit.org
230 West 200 South, Suite 3104
Salt Lake City, Utah 84101
– English
Community Development Corporation of Utah Phone: 801-994-7222
Web: www.cdcutah.org
501 East 1700 South
Salt Lake City, Utah 84105
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in Utah

This list includes only HUD Approved Housing Counseling Agencies offering “Mortgage Delinquency and Default Resolution Counseling” services, and are considered “Foreclosure Avoidance Counseling” agencies. Organizations are listed in alphabetical order, by city.

HUD
Agency Name
Phone
Toll-Free
Fax Number
Email
Website
Address Languages
NEIGHBORHOOD NONPROFIT HOUSING CORPORATION P: 435-753-1112
T:
F: 435-753-6112
E: ben@nnhc.net
W: www.nnhc.net
195 Golf Course Rd Ste 1
Logan, Utah 84321-6081
– English
– Korean
– Other
UTAH STATE UNIVERSITY – FAMILY LIFE CENTER – HFC P: 435-797-5426
T: 435-797-7224
F: 435-797-7432
E: flchfc@gmail.com
W: www.usu.edu
493 N 700 E
Logan, Utah 84321-4231
– English
– Spanish
COMMUNITY ACTION SERVICES P: 801-691-5200
T:
F: 801-691-5230
E: cwixom@communityactionuc.org
W: www.communityactionuc.org
815 S Freedom Blvd Ste 100
Provo, Utah 84601-5817
– English
– Other
– Vietnamese
NEIGHBORHOOD HOUSING SERVICES OF PROVO P: 801-375-5820
T:
F:
E: info@neighborworksprovo.org
W: www.neighborworksprovo.org
39 W 300 N
Provo, Utah 84601-2841
– English
AAA FAIR CREDIT FOUNDATION P: 801-483-0999
T:
F: 801-364-8885
E: housing@faircredit.org
W: www.faircredit.org
230 W 200 S Ste 3104
Salt Lake City, Utah 84101-3428
– English
– Spanish
COMMUNITY DEVELOPMENT CORPORATION OF UTAH P: 801-994-7222
T:
F:
E: info@CDCutah.org
W: www.cdcutah.org
501 E 1700 S
Salt Lake City, Utah 84105-2915
– English
– Spanish
SALT LAKE NEIGHBORHOOD HOUSING SERVICES, INC – DBA NEIGHBORWORKS SALT LAKE P: 801-539-1590
T:
F:
E: claudiac@nwsaltlake.org
W: www.nwsaltlake.org
622 W 500 N
Salt Lake City, Utah 84116-3417
– English
– Indonesian
– Spanish
CONSUMER CREDIT COUNSELING SERVICE OF SO. NV DBA FINANCIAL GUIDANCE CENTER P: 435-986-9223
T: 800-451-4505
F: 435-986-9410
E: cccs@cccsnevada.org
W: www.cccsutah.net
720 South River Road C-235
ST GEORGE, Utah 84790-5507
– English

For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in Utah, please visit the HUD website.