This guide has basic information about. Non-judicial foreclosures are when a lender forces the sale of a home to cover a debt.Non-judicial means they can do this without going to court. The Notice of Trustee Sale must be mailed to you at least 20 days before the day they plan to sell your home. The notice must also be posted on your property. In this guide, we'll explain the process and timing for lenders to complete a foreclosure in the state of California. The lender must comply with any notice requirements in the loan documents. There is no statutory requirement for a pre-foreclosure demand letter. A notice of default letter is an official notice that the borrower of a home has fallen behind on making payments towards their mortgage. Foreclosure is the legal process in which the mortgage holder legally takes back the property securing the loan.