The legal procedure calls for an govermment letter from the

 mortgage lender should be sent to the debtior, intimating

 about the lapsed of default in payment of monthly installments

 to be set right within a certain date (normally 5 days).

This letter of call is the firs attraction to the borrower warning

him of the proposed foreclosure by theborrower.

If no action is taken from the debtior, the next step is the

 mortgage lender defines an attorney and files a law suit to

 established the default and obtain the order of the Court to

 foreclose the property. A legal notice is sent by the lender's

 lawyer to the borrower intimating the commencement of

the legal proceedings.

From the date of this legal action notice, normally 90 days' time

(or g.race period) is allowed to the borrower to clear the

Excellent balance of the mortgage loan and get back

the rights of owner of the property.