This page explains what a residential foreclosure is, the steps involved in the process, and where to get help. The lender must file a notice of default in the county in which the property is located and with the defaulting borrower within three (3) months of the default.ALL sections of the enclosed loss mitigation package must be filled out and returned to our office. Ensure full compliance with state foreclosure laws. Ascent Law offers guidance to protect your rights and navigate foreclosure procedures effectively. In Utah, there are three different kinds of foreclosures. They are trust deed foreclosure, mortgage foreclosure, and uniform real estate foreclosure. Pre-foreclosure refers to the first phase of a legal proceeding that ultimately can conclude in a property being repossessed from a defaulted borrower. The properties up for bid Monday night in Salt Lake City can be previewed online, here. Irvine, Skeen Thurman, of Salt Lake City, for appellant.