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. This page explains what a residential foreclosure is, the steps involved in the process, and where to get help.Action to enforce lien -- Time for filing action -- Notice of pendency of action -- Action involving a residence. Ensure full compliance with state foreclosure laws. Ascent Law offers guidance to protect your rights and navigate foreclosure procedures effectively.