Foreclosure Attorneys in Utah
Receiving a Notice of Default is terrifying. The thought of losing your home—the center of your family’s life and your biggest investment—can be overwhelming. You may feel like the clock is ticking and you’re out of options.
But you are not out of options.
For over 40 years, the team at Rulon T. Burton has served as the trusted foreclosure attorney Utah families turn to when they need to save their homes. We have helped thousands of clients stop foreclosure sales, get back on track, and protect their futures. Before giving up hope, understand that you have rights and there is a legal path to keeping your home.
This page explains the foreclosure process in Utah and, most importantly, how we can stop it. Your first step toward peace of mind is here.
The Foreclosure Process in Utah: Your Guide Through the Storm
In Utah, foreclosure is the legal process a lender uses to repossess your home when a loan goes into default, which is usually after about four missed mortgage payments. Lenders don’t actually want to own your home; they want the money they are owed. This gives you leverage.
Here’s a simplified timeline of how most foreclosures proceed in Utah and where a skilled foreclosure attorney in Utah can intervene:
- Default: You fall behind on payments.
- Notice of Default: The lender records a formal “Notice of Default” with the county. You will receive a copy by registered mail. This is a critical moment and the best time to call us.
- The 90-Day Cure Period: Once the Notice of Default is filed, you have a 90-day window to “cure” the default by paying all missed payments, late fees, and legal costs.
- Notice of Sale: If the default isn’t cured after 90 days, the lender will set a sale date for your home. They will post a notice on your property and advertise the sale. At this point, you can typically only stop the sale by paying the entire loan balance, not just the past-due amount.
- The Foreclosure Sale: An auction is held, usually on the courthouse steps, and your ownership is terminated.
Most foreclosures in Utah are “non-judicial,” meaning the lender doesn’t have to file a lawsuit, making the process faster and more difficult for homeowners to fight alone. This is why having an experienced foreclosure attorney Utah residents trust is absolutely essential to navigate the system and protect your rights.
Your Offer: The Single Most Powerful Tool to Stop Foreclosure
Now for the good news. You have a powerful legal tool that can STOP the foreclosure at any point before the sale date.
Filing for Chapter 13 bankruptcy immediately halts the foreclosure process.
The moment we file your case, a federal protection called the “Automatic Stay” goes into effect. This legally forces the lender to stop the foreclosure sale, giving you the breathing room you need to save your home.
Here’s how a Chapter 13 plan, designed by your Utah foreclosure attorney team at Rulon T. Burton, can help you:
- Stop the Sale Immediately: As long as we file before the auction, your home is protected.
- Get Caught Up Over Time: Chapter 13 allows you to catch up on your missed mortgage payments through a manageable repayment plan spread out over three to five years.
- Keep Your Home: You continue making your regular, ongoing mortgage payments while paying back the arrears through the plan.
- Consolidate Other Debts: Often, we can include high-interest credit card debt and medical bills in your plan, freeing up more of your income to focus on your mortgage.
The bottom line is that Chapter 13 bankruptcy is not about failure—it’s a legal strategy designed to help responsible people who have fallen on hard times keep their most important asset.
Don't Wait Until It's Too Late—Take Action Now
You have a limited window to act. The sooner you call, the more options you have. Our team of legal professionals at Rulon T. Burton combines decades of experience with a genuine desire to help you through this difficult time.
Your initial consultation is completely FREE and confidential. We will review your specific situation, explain your rights in detail, and show you exactly how we can help you keep your home.