Ringer Law Firm

When an Installment Promissory Note that is secured by a Deed of Trust (Mortgage) is in default, remedies include foreclosure. This allows the creditor to obtain real property that was placed as collateral for the note. Non-judicial foreclosures constitute the bulk of foreclosures. Such foreclosures do not require court appearances, only the rendering of updated title certification and filing of appropriate legal notices in newspapers, and may include other notices to the debtors. Sometimes there are reasons that a non-judicial foreclosure cannot be successfully effected. In that event, a judicial foreclosure, requiring a lawsuit to be filed, is undertaken. David Ringer performs most of the foreclosures.