Foreclosure Help · Los Angeles County
Foreclosure Help in Los Angeles County
Los Angeles County is large. Free, local help is close by. This page walks you through the timeline and where to turn.
How the foreclosure process works here
Most California foreclosures skip court. The lender files papers instead.
It starts with a Notice of Default. This gets recorded at the county. In Los Angeles County, it is recorded in Norwalk.
The Notice of Default starts the clock. A sale cannot be set for at least three months (§2924).
Next comes a Notice of Trustee's Sale. It is posted at least 20 days before the auction (§2924f).
You have a right to catch up on what you owe. That right ends five business days before the sale (§2924c).
From the first notice to the auction is at least about 110 days. It is often longer.
This is education, not legal advice.
How to use local help
You do not have to face this alone. Free help serves all of Los Angeles County.
First, call your lender. Ask what options you have.
Next, call a HUD-approved housing counselor. Their help is free. See the list below.
Do you want to keep your home? Talk to your lender, a HUD-approved counselor, and a lawyer first.
A short sale may be one path. It means selling for less than you owe. Your lender must say yes. That is their choice, not a sure thing.
Our team can guide you through a sale if that is your choice. We are licensed California real estate professionals.
For financing questions, ask WCA Mortgage Brokerage.
Local resources — verified
County Recorder (where the Notice of Default is recorded)
Los Angeles County Registrar-Recorder/County Clerk, 12400 Imperial Highway, Norwalk, CA 90650. Phone: (800) 201-8999.
Official siteHUD-approved housing counselor
Neighborhood Housing Services of Los Angeles County, 3926 Wilshire Blvd, Suite 200, Los Angeles, CA 90010. Phone: (213) 381-2862.
Official siteHUD-approved housing counselor
Shalom Center for T.R.E.E. of Life, 2975 Wilshire Blvd, Los Angeles, CA 90010. Phone: (213) 380-3700.
Official siteCourt Self-Help Center
Superior Court of California, County of Los Angeles Self-Help Center. Phone: (213) 830-0845. Free legal information for people without a lawyer.
Official siteHUD foreclosure help line (national)
U.S. Department of Housing and Urban Development (HUD) housing counseling line: (800) 569-4287. Free referrals to local HUD-approved counselors.
Official siteThese are public agencies and nonprofits. We are not affiliated with them, and they do not endorse us. Educational, not legal advice.
Frequently Asked
Your questions, answered.
It is recorded in Norwalk. The Los Angeles County Registrar-Recorder/County Clerk handles it. The office is at 12400 Imperial Highway, Norwalk. This is education, not legal advice.
Talk It Through
One free, private call.
Tell us where things stand. We will walk you through the clock and the choices still open to you. If your best move is your lender or a housing counselor, we will say so. No pressure. No obligation.
Call Gay-Lynn — 562-858-7065Gay-Lynn Chavez, CA DRE #01433767 (eXp Realty of California, Inc.), and Louis Chavez, CA DRE #01949822, NC #363738 (eXp Commercial of California, Inc.) — Chavez Group / LC Commercial Invest Group. Francisco Williams, CA DRE #01979442, NMLS #1858674 — KW Commercial Beverly Hills / Williams Capital Advisors. Information on this page is educational and not legal, tax, or financial advice.