Site: nolo.com
... If it’s clear that the foreclosing bank or the loan servicer failed to follow the law and, as a ... most states, the foreclosing party must take one or more of the following steps, depending on state law ... (To get details about the process in your state, see our Summary of State Foreclosure Laws.) ... For example, if the servicer fails to send you a notice of default that's required by state law, it might ... out the terms of the loan, and a security agreement (a mortgage or deed of trust), which makes the real ...