Free Consultation · No Upfront Fees · California Statewide
Stop Foreclosure
in California
If you've received a Notice of Default or Notice of Trustee Sale, you still have options. We help California homeowners explore every path — loan modification, short sale, AB 2424 protections, and more.
Our services are free to homeowners. We are compensated through the real estate transaction — you pay nothing out of pocket.
Statewide Foreclosure Services
Free · No Upfront Fees · Confidential
Ready to explore your options?
Speak with a California foreclosure specialist today.
We Help California Homeowners Stop Foreclosure
If any of these situations apply to you, contact us today. The earlier you act, the more options you have.
Your Options to Avoid Foreclosure in California
We are licensed California real estate professionals — not a law firm. We help homeowners explore every available option and take action before the trustee sale date.
Restructure your mortgage to a payment you can afford and stay in your home.
Sell for less than you owe with lender approval — far less damaging than foreclosure.
California law may require your lender to postpone the trustee sale if you take action.
If you have equity, a traditional sale before the auction date protects your credit and your money.
About Your Specialist
Mike Osterman — California Foreclosure Relief Specialist
Mike Osterman is a licensed California real estate agent (DRE#02213966) with eXp Realty Inc., specializing exclusively in foreclosure relief for California homeowners. He has helped hundreds of homeowners navigate Notices of Default, trustee sales, short sales, and AB 2424 protections — at no cost to the homeowner.
Important: 45 Day Relief is a licensed real estate brokerage, not a law firm and not a government agency. We help homeowners explore real estate options to avoid foreclosure. For legal advice, please consult a licensed California attorney.
Areas We Serve Across California
We help homeowners stop foreclosure throughout California, including:
Mandatory postponement under AB 2424
Free to homeowners — we earn through the transaction
California counties served statewide
AB 2424 effective date — new protections now in force
Simple Process
How We Help You Stop Foreclosure
Contact Us — Free & Confidential
Call, text, or email Mike directly. There is no cost, no obligation, and everything you share is confidential. We respond the same day.
We Review Your Situation
We assess your loan, timeline, and goals — how much time before the trustee sale, whether you have equity, and which options are available to you under California law.
We Build Your Action Plan
Whether it's invoking AB 2424 to postpone the sale, pursuing a loan modification, or listing before the auction date, we map out the fastest path forward.
We Execute — You Stay Informed
We handle the paperwork, lender communications, and deadlines. You get clear updates at every step until your situation is resolved.
Time is critical. The earlier you contact us, the more options remain available. Once the trustee sale date passes, most options are gone. If you have a Notice of Default or Notice of Trustee Sale, contact us today.
Why Homeowners Choose Us
What Makes 45 Day Relief Different
Completely Free to Homeowners
We are compensated through the real estate transaction — you pay zero out of pocket, regardless of which option you pursue.
AB 2424 Specialists
We specialize in California's AB 2424 law, which can force a mandatory 45-day postponement of your trustee sale — giving you critical time to act.
Licensed California Real Estate Agent
Mike Osterman (DRE#02213966) is a licensed California agent with eXp Realty, not a scam company or unlicensed consultant.
Same-Day Response
Foreclosure timelines are tight. We respond the same day you contact us and move quickly to protect your options.
All Options on the Table
We don't push one solution. We evaluate loan modification, short sale, AB 2424 postponement, and traditional sale — whatever is best for your situation.
Statewide California Coverage
We serve homeowners in all 58 California counties — from Los Angeles and San Diego to Sacramento, the Bay Area, and the Central Valley.
Homeowner Stories
Real California Homeowners We've Helped
Names and identifying details changed to protect privacy.
"I received a Notice of Trustee Sale and panicked. Mike explained AB 2424 to me, got the sale postponed 45 days, and we ended up doing a short sale that saved my credit. I paid nothing."
Maria G.
Los Angeles County · Short Sale via AB 2424
"The bank had already set a sale date. I found 45 Day Relief online, called Mike, and within 48 hours he had filed the AB 2424 request. The sale was postponed and we had time to explore a loan modification."
David R.
Riverside County · AB 2424 Postponement
"I was embarrassed and scared to talk to anyone. Mike was professional, non-judgmental, and explained every option clearly. He helped me sell before the auction and I walked away with equity I didn't know I had."
Sandra T.
San Diego County · Pre-Foreclosure Sale
AB 2424 Explained
California's AB 2424 is a significant 2024 law enhancing homeowner protections in non-judicial foreclosures, effective January 1, 2025, requiring lenders to provide better foreclosure alternative info (loan mods, etc.) and delaying sales for a period if borrowers request foreclosure prevention options within specific timeframes before a sale.
Enhanced Borrower Information
Lenders must offer clear details on foreclosure alternatives like loan modifications, forbearances, and short sales.
Foreclosure Sale Delay
If a trustee receives a borrower’s request for foreclosure prevention options at least five business days before a scheduled sale, the sale must be postponed for 45 days to allow for review.
Protects Homeowners
It modifies California’s non-judicial foreclosure process, making it more borrower-friendly.
Common Questions
Frequently Asked Questions
Have a question not listed here? Call us at (800) 224-6962 — we respond the same day.
Watch & Learn
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California Real Estate Update
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Mike Osterman eXp Realty Inc. · DRE#02213966