Site: nolo.com
... Here’s what typically happens during those 120 days before foreclosure starts. ... If the state limit is lower than what the promissory note allows, state law generally overrides the note ... Furthermore, if you're represented by an attorney, the servicer may send the notice to your attorney ... more than 120 days behind on your mortgage payments, the servicer will usually refer the loan to an attorney ... What Happens When You Miss a Mortgage Payment ...