This page explains what a residential foreclosure is, the steps involved in the process, and where to get help. Foreclosure means your creditor is trying to take your house and sell it to collect the money you owe.This happens when you get behind on your payments. Learn about the Utah foreclosure process, including preforeclosure steps, foreclosure procedures, and homeowner rights. Utah foreclosures typically go through a nonjudicial process. Judicial foreclosures can also happen but are uncommon. 57-8a-303 Notice of nonjudicial foreclosure -- Limitations on nonjudicial foreclosure. ALL sections of the enclosed loss mitigation package must be filled out and returned to our office. UHC may have a program that can help and we offer this assistance at no charge. "Notice of foreclosure" is "the date on which complete title to a property is transferred to a successor entity or person.