Notice of lien—Contents—Form. Learn how the Washington foreclosure process works, including preforeclosure steps, foreclosure procedures, and homeowner rights.For a nonjudicial foreclosure to be valid, the mortgage lender must provide you with a number of notices. Nonjudicial foreclosures happen without court supervision. Washington law sets out the specifics of what steps the bank needs to complete. Under Judicial Foreclosure: Your mortgage lender must file suit in the court system. You'll get a letter from the court demanding payment. To begin a foreclosure action, the noteholder's representative files various documents with the court in the form of a "complaint. (1) The first step once you have become delinquent on your mortgage payments is to seek help. Divorce and Mortgage Default.