2. you can Be Forced out from The Home 1. The lender can then offer your home to collect the money you owe on your mortgage. 2. You can be forced out from the home. - Demands for in advance payment for help - Guarantees that the help will work and let you keep your home - Being asked to transfer the title to your home, or other files you do not understand - High pressure sales techniques that push you to act right now The Consumer Financial Protection Bureau has more information on foreclosure scams. If your mortgage is being collected by a mortgage "" servicer"," under federal law, they are required to follow a specific "" loss mitigation" "procedure to assist property owners who are having problem making their mortgage payments. The Consumer Financial Protection Bureau has information about what loss mitigation could look like and a web page on mortgage relief choices. Most foreclosures in Utah are done without a court case. They follow a process known as "" nonjudicial foreclosure." "This is also sometimes called a "" trustee sale." "The actions in a nonjudicial foreclosure are below. If a homeowner stops working to make their month-to-month payment on time, their mortgage ends up being delinquent. The loan is now in "" default"." The lender should supply the house owner a Notice of Delinquency and provide them the chance to make the past due payments. The loan provider or loan servicer must send by mail a notice to the property owner giving them a minimum of one month to end up being existing on the loan ("" treat the default"" )and supply them a "" single point of contact" "with which to speak regarding their loan. Utah Code 57-1-24.3 Federal law generally avoids a "" mortgage servicer" "from initiating a foreclosure until the debtor is more than 120 days overdue on the loan. 12 CFR 1024.