Georgia Foreclosure Law
Unlike Florida, where foreclosure must be judicially governed, Georgia authorizes a non-judicial foreclosure where a "Power of Sale" clause is included in a mortgage (which is standard boilerplate language in Georgia mortgages).
What this means, is that a lender can conduct a summary non-judicial foreclosure sale and take your house away without having to prove your default before a court. Not only that, but this process can occur very quickly--we are aware of cases in which the homeowner was not even aware of the proceeding, only to face being thrown out of their home with no warning. Furthermore, once a foreclosure is finalized, it is very difficult to reverse it.
Accordingly, if you are in default on your mortgage in the State of Georgia, and/or aware of a possible foreclosure threat, CONTACT AN ATTORNEY FAMILIAR WITH FORECLOSURE LAW IMMEDIATELY--WE CAN NOT STRESS HOW TIME SENSATIVE THESE MATTERS CAN BE!
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Click here for a more detailed description of the Georgia Foreclosure Process