Foreclosure research in Atlanta, Georgia
In Georgia a foreclosure can run from the required notice to a completed sale in roughly 60 days.
Most Georgia home loans let the lender sell at public auction without a lawsuit, so there is no court case and no response deadline. The Homeowner Research Document maps every notice and recorded paper on your home.
Questions? Call 516-499-1731.
This page is written for Georgia
Non-judicial foreclosure in Fulton and DeKalb
Most Georgia home loans use a security deed, sometimes called a deed to secure debt. It transfers title to the lender as security and contains a power of sale.
That power lets the lender sell at public auction without a lawsuit. There is no complaint, no summons and no judge, unless a homeowner brings a case.
In Atlanta the county is usually Fulton or DeKalb, and the sale takes place at that county's courthouse. A court case would be filed in its Superior Court. The security deed and each assignment are recorded with the county’s Clerk of Superior Court.
The Georgia foreclosure timeline
The stages of a Georgia foreclosure under a power of sale, in order.
Notice to the borrower
Georgia generally requires written notice to the borrower at least 30 days before the sale. It must name who has full authority to negotiate and modify the loan.
Publication
The notice is also published once a week for four weeks before the sale in the county’s legal organ, the newspaper designated for legal notices.
The sale
Sales are held on the first Tuesday of the month, during set hours, at the county courthouse. A holiday moves the date as the law provides.
After the sale
The buyer receives a deed under power of sale. Georgia generally gives no right to buy the home back afterward, so the sale date matters more here than in a court state. A court confirmation is needed only if the lender pursues a deficiency, the gap between the sale price and what was owed.
There is no built-in pause. Homeowners who wait for a court case can find the sale has already happened. If you have a notice of sale, or see your property in the legal organ, call a licensed Georgia attorney today. Go by the dates on your own papers.
What Georgia law gives homeowners
Homeowners have rights in a foreclosure. Most of them are written down in public law, and hardly anyone is ever shown where. So that is what we do. We use public research data to illustrate the rights homeowners have, from the statutes, court rules, published court decisions, county land records and court dockets.
In general terms, those sources say:
- Where a foreclosure goes through a court, a homeowner has a set number of days to respond after being served, and the clock starts on a date that is written down.
- In a court foreclosure, a judge decides the outcome, and the case moves on a schedule the court sets.
- State law generally sets a point in the process up to which a homeowner may bring the loan current.
- A homeowner may contact their lender or servicer directly, at any time, and needs no one's permission to do it.
Consumer protection when you hire us
Georgia does not have a separate foreclosure consultant license. This work is covered by the Georgia Fair Business Practices Act, O.C.G.A. § 10-1-390 and following, which makes unfair or deceptive acts in consumer transactions unlawful.
The Georgia Department of Community Affairs helps Georgia homeowners facing foreclosure.
What your document includes
Homeowner Research Document
Research and data built around your property. Every filing on it, how those filings connect, the numbers behind them, and alerts when anything new is recorded.
If you are facing foreclosure, it includes a full report on your foreclosure file: every notice and recorded paper, dated and sourced; how the papers connect, from the original security deed through every transfer and assignment; a timeline of every notice, publication date and deadline; the numbers, including how foreclosures like yours have moved through your county; and the papers your record refers to that are not in your file. It is organized so your attorney can work from it at your first meeting.
The price is quoted for your document, based on the research it needs.
We put the dates side by side, with particular attention to the 30-day notice and the four weeks of publication. In Georgia the calendar is the whole story.
Working with us from Atlanta
We have no office in Georgia.
Our only office is in Valley Stream, New York. We work with Atlanta homeowners by phone, email and mail.
70 Sunrise Highway, Suite 500
Valley Stream, NY 11581
Phone: 516-499-1731
Email: customerservice@
When you need a licensed Georgia attorney, we coordinate the referral, with your research ready for the first meeting. You would be their client, not ours.
Talk to a person.
Call 516-499-1731, Monday through Friday, 9:00 AM to 6:00 PM. Saturday appointments are available on request. If we are with another client, leave a message with your name, your phone number, and the county your property is in, and we will call you back.
Prime Real Estate Consultants
70 Sunrise Highway, Suite 500, Valley Stream, NY 11581
customerservice@
| Monday to Friday | 9:00 AM to 6:00 PM |
|---|---|
| Saturday | By appointment only |
| Sunday | Closed |
Free help is also available.
You do not have to pay anyone for help with a foreclosure. HUD-approved housing counseling agencies give free counseling nationwide. Call 1-800-569-4287 or visit hud.gov. Many states and counties also run free foreclosure prevention programs. We want you to know about them, whether or not you ever hire us.
If you have a sale date or a court date coming up, call a licensed attorney today.
We are not a law firm.
Prime Real Estate Consultants is a property research and consulting business. We do not practice law or represent anyone, and nothing on this site is legal, tax or financial advice. Contacting us or buying a service does not create an attorney-client relationship.