Banff specifics
- What Your Banff Home Would Net in a Court Sale
- What Happens If You Fall Behind on Your Mortgage in Banff
- Which Courthouse Handles a Foreclosure in Banff
Camrose specifics
- How Long a Camrose Home Takes to Sell
- Selling Your Camrose Home Before the Bank Does
- What Your Camrose Home Would Net in a Court Sale
- What Happens If You Fall Behind on Your Mortgage in Camrose
- Which Courthouse Handles a Foreclosure in Camrose
Canmore specifics
- Free Help for Canmore Homeowners
- How Long a Canmore Home Takes to Sell
- Selling Your Canmore Home Before the Bank Does
- You Have Been Served a Statement of Claim in Canmore
- What Your Canmore Home Would Net in a Court Sale
- What Happens If You Fall Behind on Your Mortgage in Canmore
- Which Courthouse Handles a Foreclosure in Canmore
Cold Lake specifics
- How Long a Cold Lake Home Takes to Sell
- Selling Your Cold Lake Home Before the Bank Does
- What Your Cold Lake Home Would Net in a Court Sale
- What Happens If You Fall Behind on Your Mortgage in Cold Lake
- Which Courthouse Handles a Foreclosure in Cold Lake
Credit and afterwards
- Buying a Home Again After a Foreclosure
- Checking Your Credit Report for Free
- How Foreclosure Affects Your Credit
- How Long Does It Stay on Your Record?
- Rebuilding Credit Afterwards
- Renting After a Foreclosure
- What Your Lender Reports, and When
- Will People Find Out?
Dealing with your lender
- How to Ask for an Arrears Arrangement
- When the Lender Is a Private Lender
- What Your Lender Is Actually Allowed to Do
- When Your Mortgage Is Sold to Someone Else
- Why Lenders Would Rather Not Foreclose
Fort McMurray specifics
- Free Help for Fort McMurray Homeowners
- How Long a Fort McMurray Home Takes to Sell
- Options If There Is Little Equity in Your Fort McMurray Home
- Selling Your Fort McMurray Home Before the Bank Does
- You Have Been Served a Statement of Claim in Fort McMurray
- What Your Fort McMurray Home Would Net in a Court Sale
- What Happens If You Fall Behind on Your Mortgage in Fort McMurray
- Which Courthouse Handles a Foreclosure in Fort McMurray
Grande Prairie specifics
- How Long a Grande Prairie Home Takes to Sell
- Selling Your Grande Prairie Home Before the Bank Does
- What Your Grande Prairie Home Would Net in a Court Sale
- What Happens If You Fall Behind on Your Mortgage in Grande Prairie
- Which Courthouse Handles a Foreclosure in Grande Prairie
Landlords
- Arrears on a Property You Have Left
- Foreclosure on a Rental or Investment Property
- Foreclosure With Tenants in the Property
- If Your Landlord Is Being Foreclosed On
Life situations
- Falling Behind Because of Illness or Disability
- Condo Fee Arrears and What the Corporation Can Do
- Falling Behind After a Job Loss
- Foreclosure After a Separation
- Foreclosure on a Fixed or Retirement Income
- Foreclosure on an Acreage or Farm Property
- Arrears on a Mobile or Manufactured Home
- Mortgage Arrears When You Are Self-Employed
- Your Mortgage Renewal Was Declined
- Property Tax Arrears and the Municipal Process
Myths
Practical steps
- Do You Have to Let Anyone In?
- What to Gather Before You Get Advice
- How to Handle the Phone Calls
- Moving Out on Your Own Terms
- What to Do the Week a Sale Date Is Set
Protecting yourself
- How to Check Whether a Company Is Legitimate
- Protecting Your Title While You Are in Arrears
- Questions to Ask a Cash Buyer Before You Sign
- Should You Sign a Rent-Back Agreement?
- How to Spot an Equity Stripping Offer
- Nobody Legitimate Charges an Upfront Fee
- If You Have Already Signed Something
- Why Strangers Are Suddenly Contacting You About Your House
The legal process
- Do You Qualify for Legal Aid?
- Representing Yourself Versus Hiring a Lawyer
- What a Statement of Claim Actually Contains
Timing
- Can a Court Sale Date Be Moved?
- How Long Can You Stay in the Home?
- How Quickly Lenders Actually Act
- If the Court Sale Falls Through
- How the Land Titles Backlog Affects Your Timeline
- How Long It Actually Takes to Sell Before a Court Sale
- What Actually Happens on the Sale Date
What it costs
- The Real Cost of Waiting Three More Months
- What a Realtor Costs When You Are Already Behind
- Who Pays the Lawyers?
You and your household
- Looking After Yourself Through This
- Talking to Your Partner About the Mortgage
- What to Tell Your Children
- If You Are Struggling to Cope
Your documents
- What a Builders' Lien Does to a Sale
- How to Pull Your Own Title
- How to Read the Documents You Have Been Served
- What a Writ on Your Title Means
Your equity
- What Your House Sells For at a Court Sale, Versus on the Market
- Can a Lender Pursue You for a Shortfall?
- How Much Equity Is Left After Foreclosure Costs
- How Legal Costs Get Added to What You Owe
- When the Home Is Worth Less Than the Mortgage
- Paying Out Versus Reinstating
- Selling During the Redemption Period
- What a Mortgage Payout Statement Actually Includes
- What Happens to the Money You Already Put In
- Who Gets the Surplus After a Foreclosure Sale
Your options
- Can Someone Take Over Your Mortgage?
- A Consumer Proposal and Your House
- When You Own the Home With Someone Else
- Listing Your Home While a Foreclosure Is Underway
- Renting It Out Instead of Selling
- What Happens to a Second Mortgage
- Selling the House to a Family Member
Start here:
how the process works
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