Note: Fill out the forms completely with the employer's name and address and the judgment debtor's full name. The judgment cannot include more than the amount prayed for in the complaint.Use this HowTo Guide to draft allegations and other elements of a judicial foreclosure complaint. A Practice Note discussing residential foreclosure procedures and proceedings under. This Note outlines California law governing residential foreclosure proceedings including: ▫ Non-judicial foreclosures. ▫ Redemption rights. In California, lenders can foreclose on deeds of trust using a non-judicial foreclosure process or a judicial foreclosure process. A promissory note can be unsecured or secured via a deed of trust. To do this, fill out a JL-1. In a non-judicial foreclosure, the bank will proceed with what's called a trustee's sale.