If foreclosure has left its mark on your neighborhood, then you must take interest in knowing how foreclosure is filed on a property. You first need to go through the system of foreclosure filing in your state as different states have different sets of laws for filing a foreclosure. Generally, it is the lender who has to initiate a foreclosure filing before the court.

As soon as the lender files a foreclosure, a summons will be sent to you that will have the complaint of the lender. Along with that, you will also receive a notice saying that a foreclosure proceeding is due to begin on your home. A few days or ‘grace period’ will be given to you within which time you have to respond to the summons that has been sent to you.

If a foreclosure proceeding is desired by the lender on your home, then he needs to file a foreclosure suit. The news of filing a suit will be provided to you in advance. Once the court makes a judgment, a date is fixed on which the sale activity or auction will take place. The general norm is that the sale of the property takes place after 30 days from the day on which the judgment is passed.