The document outlines the foreclosure by advertisement process. It begins with pre-foreclosure notices being sent after 3 months of default. Next, a notice of pendency and power of attorney is filed with the county. A notice of foreclosure is then published for 6 weeks and served. If the borrower wishes to stop the foreclosure, they must cure the default before the sheriff's sale. At the sale, the mortgage is replaced with a sheriff's certificate. The borrower then has a period of redemption to pay the amount owed, after which junior lienholders can redeem in order of priority. Once redemption periods expire, the borrower's rights in the property are extinguished.

1. Foreclosure By Advertisement The Process