The opposite 28 states—which includes Arizona, California, Georgia, and Texas—mostly use nonjudicial foreclosure, also referred to as energy of sale. This sort of foreclosure tends to be a lot quicker than a judicial foreclosure, and it does not go in the courts Except if the homeowner sues the lender. " https://foreclosureoptions20514.p2blogs.com/21740732/the-single-best-strategy-to-use-for-stop-foreclosure-process