90 Day Pre-foreclosure Notice. Lender must mail you information on getting help at least 90 days before starting a court case.Step 1 requires a filing within three business days after mailing a 90-day pre-foreclosure notice and is designed to capture the most relevant information. 90 Day PreForeclosure Notice. The Note includes the terms and conditions of repayment, such as the interest rate, term of the loan, and charges for late fees. You must first serve the former owner with a Three-Day Notice to Quit Following Foreclosure pursuant to NRS 40.255(1)(b). Approved local housing counseling agencies in Clark County include, for example, Consumer Credit Counseling Service (702-364-. Ad. However, Clark said he never paid it because he never took out the loan. Loan modification is a change in the original terms of your mortgage loan. You are the borrower on the mortgage or you hold the title of the house.