Moved information about power of sale clauses to 5.12.4.3. Deleted generic information about the economy’s impact on foreclosures. Added Note that the Centralized Lien Operation may process DOJ requests instead of Advisory. Significant additions or deletions to the text are noted as follows. Updated terminology and references revised wording for clarification and compliance with writing standards restructured subsections to improve flow and comprehension and corrected formatting issues.
(1) This transmits revised IRM 5.12.4, Judicial and Non-Judicial Foreclosures.
Judicial/Non-Judicial Foreclosuresĥ.12.4 Judicial/Non-Judicial Foreclosures Manual Transmittal 5.12.4.7.2 Right to Redeem Property Sold at Non-Judicial Sale.5.12.4.7.1 Surplus or Excess Proceeds from Non-Judicial Sales.5.12.4.7 Non-Judicial Sale Activities and Tasks.5.12.4.6 Consent to Sale of Property Free of Lien.5.12.4.5.3 Non-Judicial Perishable Sale Proceeds.5.12.4.5.2 Notice of Non-Judicial Sale of Perishable Goods.5.12.4.5.1 Definition of Perishable Goods.5.12.4.5 Non-Judicial Sale of Perishable Goods.5.12.4.4.5 Disclosure of Adequacy of Notice.5.12.4.4.1 Determining the Date of Non-Judicial Sale.5.12.4.3.1 Investigation Elements and Responsibilities for Non-Judicial Foreclosures.5.12.4.2.3 Right to Redeem Property Sold at Judicial Sale.5.12.4.2.2 Judicial Foreclosure Activities and Tasks.5.12.4.2.1 Judicial Foreclosure Case Responsibility.5.12.4.1.2 Discharge Consideration During Foreclosure Investigation.5.12.4.1.1 Investigation Guidelines for Judicial/Non-Judicial Sales.5.12.4 Judicial/Non-Judicial Foreclosures.
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