The 2924 Timeline maps default to trustee’s sale: notices, waiting periods, and the cutoffs that decide what you recover. Free. Built for lenders.
The full clock: Notice of Default through trustee’s sale, with the statutory waiting periods.
The reinstatement window and where it falls on the clock.
Notice of Sale: when it gets recorded and the waiting period before the trustee’s sale.
Residential postponement: the listing agreement and purchase contract rules.
Post-sale: trustee’s deed recording and the IRS redemption window.
This is for private lenders and investors holding a California trust deed. People who have dealt with the uncertainty after a default know one missed deadline can affect their rights and remedies. If you have had to reconstruct the timeline from scratch on a deal, this is the reference you keep open.
Cal. Civ. Code § 2924 is the statutory series that governs nonjudicial foreclosure in California. It sets the recorded notices, the waiting periods between them, and the procedure the foreclosure trustee follows, from the recorded Notice of Default through the trustee’s sale and the steps that follow it: recording the Trustee’s Deed, post-sale bidding in certain situations, and the handling of surplus funds. The 2924 Timeline maps those deadlines in one reference.
The recorded Notice of Default. The borrower’s default comes first, but the statutory waiting periods run from the date the foreclosure trustee records the Notice of Default, not from the default itself.
A nonjudicial foreclosure moves through two recorded notices: the Notice of Default, which opens a statutory waiting period, then the Notice of Trustee’s Sale, which sets the sale date. At the statutory minimums the process runs several months. In practice, most files run longer. The 2924 Timeline lists the deadlines, default through the trustee’s sale and the post-sale steps.
A lawsuit by itself does not stop a trustee’s sale. Borrowers challenge foreclosures in court, but stopping the sale takes a court order. If no order is entered before the sale date, the sale can proceed. Bankruptcy is the exception: a bankruptcy filing stays the foreclosure automatically, without a court order. What borrowers take to court, and how those challenges land, is what The 2924 covers each Wednesday.
The deadlines from default to trustee’s sale.
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