Q: How do I decide if I should proceed with a Judicial or Non-Judicial Foreclosure?
A: Contact your attorney before proceeding with our non-judicial process to determine if you should pursue a deficiency judgment. A deficiency judgment requires the filing of a judicial foreclosure.

Q: What if I have a loan servicing company collecting my payments?
A: If your loan is being serviced by an outside company, you must instruct them in writing not to accept any further payments during the foreclosure process. If they accept payments after our Notice of Default records, it could invalidate your foreclosure.

Q: What if I am informed of a bankruptcy filing?
A: If you have knowledge that the current owner(s) or a junior lien-holder on the property has filed bankruptcy, please notify us immediately as such act will delay the foreclosure process. For additional information and resources on releasing the bankruptcy, please Click here for our recommended legal services.

Q: How much does it cost to foreclose?
A: Our regulated fees are based on the unpaid principal of the loan, in addition to any ancillary fees allowed. Our expenses include the cost of the Trustee Sale Guarantee, recording fees, posting and publishing the Notice of Sale, auctioneer fees, mailing expenses and in some cases, posting of the Notice of Default. Please contact us at mail@allvalleytrustee.com for a quote based on your loan amount.

Q: What if the borrower or junior lien-holder wants to reinstate or payoff my loan?
A: The owner(s) of the property - or a junior lien-holder - may have the right to cure the default. The California Civil Code permits certain defaults to be cured upon the payment of the amount required without requiring payment of that portion which would not be due had no default occurred. The right to reinstate terminates five (5) business days before the sale date. The loan could be declared all due at your option. Please refer your borrower, or junior lien-holder, to our office for reinstatement and payoff quotes that will include our fees and expenses. Otherwise, please include our fees and expenses in your lender quotes to complete reimbursement.