received no certified letter before foreclosure

[msotas]

I never received a certified letter prior to my house going into foreclosure or prior to the bank buying it back. Is that legal or can I have the foreclosure proceedings reversed so that I can buy my house back. Is a certified letter mandatory in order for a foreclosure to legally move forward?

 

[dee_dub]

What is your jurisdiction?

Was it a judicial foreclosure (declared by the court) or non-judicial (under power of sale clause in the loan contract)?

 

[msotas]

non-judicial

The foreclosure was not done in court. It was non-judicial.

 

[msotas]

It did not happen in happen so I believe it was non-judicial

 

[dee_dub]

The lender is usually required to send a Notice of Default. Your state law might also require the lender to have sent a Notice of Delinquency prior to starting the foreclosure proceeding. If you received nothing from them, I would first suggest contacting them to see what their records show. If they in fact didn't send these, you might be able to have them start over because you didn't receive adequate notice.