So what happens when homeowners miss a couple of house payments? The lenders send out reminder notices. One will arrive probably a fortnight after the first missed payment. When it time for the next payment the 30 day notice will be sent and probably late fees will be added. If the homeowner does not contact the bank as is often the case, the next letter is at 60 days and is more serious. At 90 days the bank commences formal proceedings. Their attorney then posts out the Notice of Default notifying the borrower that they have failed to fulfill their payment obligations. It is also published in a publicly accessible publication such as the local newspaper, a fortnight to several weeks prior to the auction. [url=http://www.csdassn.org/development/ugg.php?id=39]ugg boots giveaway[/url] <a href="http://www.csdassn.org/development/ugg.php?id=39" title="ugg boots giveaway">ugg boots giveaway</a>