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There are a lot of people who are going through tough times. During these tough times, it is important to protect your assets. For many people their home is their largest asset. It is important to protect yourself from foreclosure. It is also very important to understand the foreclosure preceding. A notice of default is the first to be filed. Then, you have 90 days to cure the default amount. If you are not able to cure it in time, the lender will move to the advertising phase. This is when they advertise and set the date of the sale of your home. You usually have about 3 weeks from the advertising date to cure the loan. It is important to communicate with your lender about what is going on. Be sure to keep them posted about your intentions. If you do not want your home to go into foreclosure, you should try to get help. Banks are now willing to help out people in need. Talk to your bank about loan modifications if it is possible. If you have a second loan, be sure to communicate with them as well.