{"version":"https://jsonfeed.org/version/1","title":"45 Day Relief","home_page_url":"https://45dayrelief.com","description":"45 Day Relief","author":{"name":"45 Day Relief"},"items":[{"id":"sample-letter-to-trustee-for-45-day-relief","html_content":"

[BORROWER FULL NAME]

","url":"https://45dayrelief.com/foreclosure-relief/f/sample-letter-to-trustee-for-45-day-relief","title":"Sample Letter to Trustee for 45 Day Relief","date_modified":"2026-04-18T12:27:00Z"},{"id":"california-foreclosure-relief-timeline","html_content":"

AB 2424 – 45‑Day Foreclosure Relief Timeline Calculator

","url":"https://45dayrelief.com/foreclosure-relief/f/california-foreclosure-relief-timeline","title":"California Foreclosure Relief Timeline","date_modified":"2026-04-16T13:05:00Z"},{"id":"ab-2424-%E2%80%93-45%E2%80%91day-foreclosure-postponement-checklist-california","html_content":"

Use this checklist to keep track

","url":"https://45dayrelief.com/foreclosure-relief/f/ab-2424-%E2%80%93-45%E2%80%91day-foreclosure-postponement-checklist-california","title":"AB 2424 – 45‑Day Foreclosure Postponement Checklist (California)","date_modified":"2026-04-15T03:48:00Z"},{"id":"the-37-day-rule-and-notice-of-sale","html_content":"

Once the 90-day waiting period expires, the next step is issuing a notice of sale. This is crucial in California’s foreclosure sequence. The notice of sale indicates the property will be auctioned.After the notice is po...

","url":"https://45dayrelief.com/foreclosure-relief/f/the-37-day-rule-and-notice-of-sale","title":"The 37-Day Rule and Notice of Sale","date_modified":"2026-01-19T14:00:12Z"},{"id":"are-you-at-risk-of-losing-your-home","html_content":"

Few people think they will lose their home; they think they have more time.

","url":"https://45dayrelief.com/foreclosure-relief/f/are-you-at-risk-of-losing-your-home","title":"Are you at risk of losing your home?","date_modified":"2026-01-18T21:00:00Z"},{"id":"is-a-loan-modification-the-same-as-refinancing","html_content":"

No, loan modification and refinancing are not the same, though both can lower your monthly payments. The primary difference is that a refinance replaces your old loan with a brand-new one, while a loan modification chan...

","url":"https://45dayrelief.com/foreclosure-relief/f/is-a-loan-modification-the-same-as-refinancing","title":"Is a Loan Modification the Same as Refinancing?","date_modified":"2026-01-12T18:00:00Z"},{"id":"can-a-loan-modification-change-interest-rates","html_content":"

Yes, a loan modification can absolutely change your interest rate, often lowering it to make payments affordable, but it might also extend the loan term, change the rate structure (like converting adjustable to fixed), ...

","url":"https://45dayrelief.com/foreclosure-relief/f/can-a-loan-modification-change-interest-rates","title":"Can a Loan Modification Change Interest Rates?","date_modified":"2026-01-08T17:00:00Z"},{"id":"do-loan-modifications-impact-your-credit-score","html_content":"

A loan modification can impact your credit score in several ways, often depending on your prior payment history and how your lender reports the change to credit bureaus. As of 2026, lenders are increasingly using modern...

","url":"https://45dayrelief.com/foreclosure-relief/f/do-loan-modifications-impact-your-credit-score","title":"Do Loan Modifications impact your credit score?","date_modified":"2026-01-07T07:00:00Z"},{"id":"how-do-loan-modifications-work-in-california","html_content":"

In California, a loan modification is a permanent restructuring of a mortgage to make monthly payments more affordable for homeowners facing long-term financial hardship. How the Process Works

","url":"https://45dayrelief.com/foreclosure-relief/f/how-do-loan-modifications-work-in-california","title":"How do Loan Modifications Work in California?","date_modified":"2026-01-05T01:00:00Z"},{"id":"how-do-foreclosure-auctions-work-in-california","html_content":"

Foreclosure auctions in California, commonly known as trustee’s sales, are the final stage of the non-judicial foreclosure process used for the vast majority of California properties.

","url":"https://45dayrelief.com/foreclosure-relief/f/how-do-foreclosure-auctions-work-in-california","title":"How do Foreclosure Auctions Work in California?","date_modified":"2026-01-03T00:00:00Z"},{"id":"how-to-stop-a-foreclosure-in-california","html_content":"

To stop a foreclosure in California, you must act quickly, especially with new legal protections effective in 2025. You have the legal \"right to cure\" the default by paying overdue amounts up until five days before the ...

","url":"https://45dayrelief.com/foreclosure-relief/f/how-to-stop-a-foreclosure-in-california","title":"How to Stop a Foreclosure in California","date_modified":"2025-12-29T14:00:00Z"},{"id":"what-does-rising-foreclosures-mean-in-california","html_content":"

We've helped over one thousand homeowners just like you stop foreclosure. Call us today for a free consultation. We're happy to help. (800) 224-6962

","url":"https://45dayrelief.com/foreclosure-relief/f/what-does-rising-foreclosures-mean-in-california","title":"What does Rising Foreclosures Mean in California?","date_modified":"2025-12-26T20:00:00Z"},{"id":"are-foreclosure-homes-cheaper","html_content":"

Yes, foreclosure homes are typically cheaper than standard homes, often selling at a discount of 15% to 30% below market value. This is because the lenders or banks selling them want to offload the properties quickly to...

","url":"https://45dayrelief.com/foreclosure-relief/f/are-foreclosure-homes-cheaper","title":"Are Foreclosure Homes Cheaper?","date_modified":"2025-12-24T16:00:00Z"},{"id":"are-foreclosures-on-the-rise-in-california","html_content":"

Yes, foreclosures in California are on the rise in 2025. Data from late 2025 indicates that the state is experiencing a steady, year-over-year increase in foreclosure activity, although levels remain well below the hist...

","url":"https://45dayrelief.com/foreclosure-relief/f/are-foreclosures-on-the-rise-in-california","title":"Are Foreclosures on the Rise in California?","date_modified":"2025-12-22T10:00:00Z"},{"id":"how-long-is-a-foreclosure-in-california","html_content":"

In California, non-judicial foreclosures (most common) typically take about 120-150 days (4-5 months) from the first missed payment to the sale, but can stretch longer with delays, involving a mandatory 90-day waiting p...

","url":"https://45dayrelief.com/foreclosure-relief/f/how-long-is-a-foreclosure-in-california","title":"How Long is a Foreclosure in California","date_modified":"2025-12-21T00:42:01Z"},{"id":"ab2424-in-detail","html_content":"

Assembly Bill 2424, effective January 1, 2025, makes several revisions to the non-judicial foreclosure process designed to assist borrowers in avoiding foreclosure by prompting early marketing and sale of properties with...

","url":"https://45dayrelief.com/foreclosure-relief/f/ab2424-in-detail","title":"AB2424 IN DETAIL","date_modified":"2025-12-12T13:43:35Z"}]}