Video & Transcript Research : 'judgment foreclosure'
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MN
Minnesota 2025-2026 Regular Session
MN House passes HF2432, the judiciary, public safety, and corrections policy & finance bill. 4/25/25
Minnesota House Floor Meeting
Transcript Highlights:
- Representative West had a bill related to leftover funding in foreclosure actions, and there the sheriff's
- foreclosures um were left<00:07:09.360>
holding <00:07:09.919>you <00:07:10.080>know - There being 67 ayes and 67 nays, it is the judgment of the House. The ruling of the Speaker stands.
- <00:25:39.679>
The <00:25:39.840>ruling <00:25:40.080>of the judgment of the - The ruling of the judgment of the house.
MN
Minnesota 2025-2026 Regular Session
Committee on Judiciary and Public Safety - 04/10/26
Judiciary and Public Safety
Transcript Highlights:
- as well as foreclosures by advertisement.
- And the A3 foreclosure statutes.
- well as foreclosures by advertisements. well as foreclosures by advertisements.
- And the intent foreclosures in 581.
- > of<00:08:45.200>
the <00:08:45.360>foreclosure keeping the rest of the foreclosure
FL
Transcript Highlights:
- entering into an agreement with the tax collector's office to have the fines collected and gives foreclosure
- It was a final judgment out of the Eastern District of North Carolina. It was not appealed. Okay.
- It was a final judgment out of the Eastern District of North Carolina. It was not appealed. Okay.
Summary:
The committee heard and acted on several criminal justice, public records, nuisance, and firearms bills. SB 1168, by Sen. Leak, would create a second-degree felony for aggravated installation or use of a tracking device or application when done in furtherance of a dangerous crime; it passed unanimously. SB 1054, by Sen. Garcia, would increase penalties for tampering with electronic monitoring devices, require immediate revocation of pretrial release for tampering, and bar further pretrial release on the current charges; after testimony raising concerns about unintended consequences and proof issues, it was reported favorably unanimously. SB 1198, by Sen. DeSigley, addressing fraudulent use of gift cards, was substantially revised by a delete-all amendment and a technical amendment, then reported favorably with support from retail and industry groups. SB 710, by Sen. Osgood, would create a public records exemption for personal identifying and location information of current and former Crime Stoppers employees, board members, and volunteers; it was reported favorably unanimously. SB 1022, by Sen. Wright, would strengthen nuisance abatement enforcement by raising fines, allowing tax-collector collection and special assessments, and authorizing foreclosure on unpaid liens; it was reported favorably after support from the Orange County Sheriff’s Office. SB 716, by Sen. Martin, would impose mandatory minimum sentences for certain sexual offenses by registered sexual offenders or predators and bar early release; after an amendment to tie the penalty to prior convictions rather than registration status, it passed favorably. SB 878, also by Sen. Martin, would extend probation supervision for certain misdemeanor controlled-substance offenses and align them with existing alcohol-related probation rules; it passed unanimously. Finally, SB 952, by Sen. Guglia, would repeal the statute allowing firearm and ammunition sales restrictions during certain declared emergencies; after extensive testimony from gun-rights advocates and debate about local emergency ordinances, it was reported favorably.
FL
Florida 2025 Regular Session
February 5, 2025 - 12:30 PM
Transcript Highlights:
- You can imagine what that entails: foreclosures, real property disputes, condominium, eminent domain,
- Foreclosures, real property disputes, condominium, eminent domain, personal injury, and the list goes
- Some examples would be judgments, notices of action pending in a United States court having jurisdiction
Summary:
The Intergovernmental Affairs Subcommittee met to review how county budgets are developed and how constitutional officers fit into that process. Davin Suggs of the Florida Association of Counties gave an overview of county budgeting, explaining the statutory framework, the role of property taxes and TRIM notices, the fiscal-year timeline, fund balances and reserves, and the Department of Revenue’s oversight. He emphasized that county budgets include the board’s budget plus the budgets of constitutional officers, and that relationships and communication are critical to resolving budget issues.
A panel of constitutional officers then described their offices’ budget processes and responsibilities: Escambia County Sheriff Chip Simmons discussed law enforcement budgeting and the importance of negotiated agreements with county commissions; Alachua County Property Appraiser Aisha Solomon explained the June 1 budget deadline, valuation methods, and the appeal process for property assessments; Manatee County Clerk and Comptroller Angelina Coleniso outlined the clerk’s court and finance duties, the county-side budget process, and the clerk’s personal liability under section 129.09 for unlawful expenditures; Leon County Supervisor of Elections Mark Early described the cyclical nature of election costs, staffing, equipment, and the impact of turnout and election law changes; and Columbia County Tax Collector Kyle Keene explained that tax collectors’ budgets are reviewed by the Department of Revenue, with fee offices funding themselves through service charges and budget offices relying on county support.
Members asked about personal liability for unlawful spending, conflicts between clerks and county commissions, property valuation and storm damage adjustments, reserve levels, and whether tax collectors can retain excess fees. Responses noted that clerks must refuse illegal expenditures, property appraisers use market-based assessments with VAB and court review available, counties should maintain healthy fund balances for cash flow and emergencies, and tax collectors generally must zero out year-end balances and distribute excess revenues to taxing authorities. The committee took no votes and adjourned after thanking the panelists for their testimony.
MN
Transcript Highlights:
- Are we saying that that's okay to reject payment so you can pursue foreclosure?
- and start the foreclosure process. and start the foreclosure process.
- <01:33:52.000>
on can start the process of foreclosure on can start the process of foreclosure - <02:23:11.359>
So, interfering with clinical judgment. - So, interfering with clinical judgment.
AZ
Transcript Highlights:
- President Pro Tem, against my better judgment I rise to explain my vote. Please.
- HB 2780, judicial foreclosure access, proceed sale. Finance.
- Judgment. HB 2889, appropriation: uranium monitoring mine inspector.
Summary:
The Senate convened with prayer and the Pledge of Allegiance, recognized guests including the doctor of the day, visiting family members, and representatives from the Arizona Chapter of the American College of Surgeons demonstrating Stop the Bleed techniques. Members also acknowledged a St. Patrick’s Day visit by the Speaker of the Irish Parliament and adopted a proclamation honoring Irish heritage and the Arizona-Ireland relationship.
In Committee of the Whole, senators considered and advanced several bills. SB 1046, relating to information technology, was amended and given a do-pass recommendation. SB 1066, concerning civil liability and fraudulent scientific research, was amended with a floor amendment limiting liability for certain researchers, universities, and registered drug manufacturers, then advanced. SB 1332, relating to light rail expansion participation, was amended after debate over transit policy and state versus local control, and also received a do-pass recommendation. SB 1286, on veterinary prescriptions, was amended to adjust electronic prescribing timeframes for flea/tick and antimicrobial drugs and then advanced.
On third reading, the Senate passed SB 1009 on school curriculum and AED training, SB 1086 on the Arizona health care cost and payment system, SB 1317 appropriating money to the Attorney General for a coordinated jail reentry program, SB 1580 appropriating money to the Department of Administration, SB 1582 funding school safety, SB 1709 on probation for dangerous crimes against children, SB 1550 appropriating money to the state treasurer, SB 1761 appropriating money to the University of Arizona, SB 1046, and SB 1286. Several members explained votes, including support for reentry programming and school safety, and opposition based on concerns about funding sources, judicial discretion, or program effectiveness. The House requested reconsideration of HB 4027 and HB 2444, and the Senate then recessed, received a list of bills for first reading and committee referral, announced committee meetings for the next day, and adjourned until March 17, 2026.
TX
Transcript Highlights:
- So they posted it for a foreclosure. So how do I know that?
- No one, there is no, for delinquent taxes, it's not. a non-judicial foreclosure, is that correct?
- But what this bill is amending are the steps before you even get to foreclosures. Is that right?
- Guaranteed by certified or by in-person delivery before a foreclosure suit is institute.
- And then a judgment call, I think, by my colleagues and I about whether or not those.
Bills:
HB19, HB30, HB851, HB1663, HB1681, HB1769, HB1937, HB1979, HB2428, HB2433, HB2825, HB3159, HB3424, HB3486, HB3487, HB3504, HB3605, HB3879, HB3994, HB4382, HB4752, HB5444, HB5446, HB5447, HB3199, HB4847, HB19
Keywords:
local government debt, property tax, ad valorem tax, bond election, certificate of obligation, anticipation note, school district tax rate, voter-approval rate, debt service cap, municipal finance, county bonds, flood control district, hospital district, public works, tax transparency, property tax notice, November uniform election date, general obligation bonds, local debt reform, taxpayer notice
TX
Transcript Highlights:
- ultimately can lead to these properties going down. into dire financial straits and ultimately foreclosure
- But if something went to foreclosure and got sold.
- If it went to foreclosure, right, and we lost the property to that.
- And now this bill would add the threat of a six-figure fee jump. judgment on top of that, just for asserting
Keywords:
county appraisal district, board of directors, governance, taxing units, public representation, penalty, property report, taxation, timely filing, chief appraiser, appraisal district, ad valorem tax, property appraisal, tax protests, unequal appraisal, property rights, property tax, public employees, protest leave, appraisal review board
AL
Alabama 2026 1st Special Session
Alabama Senate Finance and Taxation General Fund Mar 18th, 2026
Finance and Taxation General Fund
Bills:
SB176, HB155, HB247, HB311, HB312, HB317, HB466, SB176, HB155, HB247, HB311, HB312, HB317, HB466
Keywords:
controlled substances, unlawful distribution, marijuana, violent offense, sentencing guidelines, criminal justice, state holidays, federal holidays, public holidays, legal holidays, office closures, state employees, personal leave, compensatory leave, bank closures, school closures, Mardi Gras, Mobile County, Baldwin County, Rosa Parks Day
HI
Transcript Highlights:
- I strongly oppose HB 190, and so while this bill turns zoning enforcement into a fast-track foreclosure
- So allowing private entities to initiate foreclosure creates a dangerous profit incentive and repeats
- foreclosure does not promote compliance. foreclosure does not promote compliance.
- So allowing private entities to initiate<01:57:40.560>
foreclosure <01:57:41.599>creates - foreclosure creates a dangerous profit<01:57:42.800>
incentive <01:57:43.360>and <01:57
Bills:
HB1527, HB1823, HB2490, HB2223, HB2325, HB2104, HB2593, HB2592, HB1927, HB1553, HB1964, HB1918, HB1990
Keywords:
gambling prohibition, Aloha Stadium, University of Hawaii, amateur athletics, state lands, coastal resilience, Maui, Mantokuji Bay, coastal erosion, environmental protection, Native Hawaiian, spiritual sites, historic preservation, economic development, burial sites, Department of Hawaiian Home Lands, cultural history, archaeology, Hawaii Revised Statutes, civil service
Summary:
The committee first heard HB 1527 relating to gambling. The chair outlined hearing rules, including a two-minute limit and a warning that bills not heard would die. Testimony was overwhelmingly in support from a prosecutor, Honolulu Police Department, and Stop Predatory Gambling, all arguing that casinos and sports betting increase crime, sex trafficking, harassment of athletes, and broader social harm. No opposition testimony was presented, and the committee moved on without questions or action taken on the bill.
The committee then heard HB 1823 relating to coastal zone management and HB 2490 relating to coastal resilience. For HB 1823, DLNR, the Office of Planning, and Maui County testified, with Maui County supporting the measure and its proposed amendments. For HB 2490, DLNR expressed concern about exempting a proposed Mokuji Bay pilot project from permits and regulation before a long-term plan is finalized, while the County of Maui, the Mokuji Soto Zen Mission, and the Office of Planning supported the bill as a coastal resilience pilot. The mission described severe erosion, sea-level rise impacts, and years of unsuccessful efforts to stabilize the shoreline; its consultant said the study is leaning toward nature-based and hybrid solutions. In questioning, members and DLNR discussed whether the bill should say the project “shall” or “may” be exempt, and the chair indicated the language would be adjusted to preserve DLNR discretion and to change the lead agency reference to OPSD. No vote was taken in the transcript.
Finally, the committee took up HB 2223 relating to historic preservation reviews. SHPD said it stood on its written comments, while OPSD and DHHL supported the bill. DHHL argued the measure would streamline reviews, improve transparency, and help address long wait times for its projects, saying it could alleviate burden on SHPD and better serve beneficiaries. Representative Shimizu questioned whether the bill would create redundancy and expand government rather than strengthen SHPD, noting a separate staffing bill already exists. SHPD responded that DHHL is uniquely subject to 6E review and that the bill would not waive federal or state historic review requirements; the discussion also touched on possible federal-style grant support and the existing memorandum of agreement between SHPD and DHHL. The transcript ends during questioning, with no final committee action shown.
HI
Hawaii 2025 Regular Session
CPC Public Hearing- Wed Feb 5, 2025 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- attorneys’ fees-type cases where there’s a fee-shifting provision, the judge will assess, when there’s a judgment
- Those include selling your condo, obtaining financing, and a higher risk of foreclosure, which has actually
- <00:36:49.599>
higher <00:36:49.880>risk <00:36:50.119>of <00:36:50.240>foreclosure - <00:36:51.200>
which and a higher risk of foreclosure which and a higher risk of foreclosure
Summary:
The committee on Consumer Protection and Commerce met on February 5, 2025, and heard testimony on several bills. HB 918, relating to labeling, drew support from the Department of Health, INDA (the nonwoven fabrics industry), and Hawaii Realtors. INDA said the bill aligns with do-not-flush labeling laws in other states but raised a concern about the six-month compliance deadline tied to FIFRA approval. In response to committee questions, witnesses explained that the bill is aimed mainly at disinfecting wipes, that most products are already labeled nationally, and that the proposed timing issue could be addressed by using Oregon’s approach. No vote was taken on the measure during the portion shown.
The committee also heard HB 1482, relating to controlled substances. HPD supported the bill, and Aloha Green Holdings and the Department of Health both said they supported the intent but recommended technical amendments. Their testimony focused on clarifying the treatment of Delta-8 THC, distinguishing synthetic or artificially derived cannabinoids from naturally occurring forms, and avoiding confusion in the hemp law. Members asked whether Delta-8 would show up on drug tests; witnesses said it would test positive for THC and would not be distinguished from Delta-9. The bill was then set aside as the committee moved on.
HB 981, relating to attorney’s fees, drew opposition from a law firm representing homeowners and associations, which argued the bill would limit access to legal services, favor developers and contractors, and make settlement harder. The witness suggested instead using existing consumer-protection fee-shifting concepts, and committee members explored whether a capped fee award or a broader attorney-fee rule would be more appropriate. The committee then took up HB 807 and HB 336, both relating to condominiums. HB 807 received support from the Green Infrastructure Authority and the Hawaii Bankers Association, while one testifier urged deferral over unresolved questions about commercial PACE financing; the bank association asked for more time to work with HGIA, and the chair indicated decision-making could be deferred to allow that discussion. On HB 336, the Community Associations Institute opposed the bill as removing checks and balances, while the Hawaii Workers Center and others supported it as a step toward clearer enforcement of health and safety issues in condominiums and rental housing.
TX
Transcript Highlights:
- The House asked for a window to expand the Declarative Judgment Period from six months to nine months
Keywords:
HB 8, Texas public school accountability, school accountability, public school transparency, STAAR, state assessments, instructionally supportive assessment program, Student Success Tool, Texas Education Agency, TEA, accountability ratings, A-F ratings, through-year assessment, benchmark testing, norm-referenced assessment, college career military readiness, CCMR, local accountability plan, school district performance, campus turnaround
MN
Minnesota 2025-2026 Regular Session
Committee on State and Local Government - 02/18/25
State and Local Government
Transcript Highlights:
- My office also has won an additional $81 million for the state's tobacco fund, and a recent judgment
- Remember there were 4 million home foreclosures.
- <01:08:37.400>
and <01:08:37.520>if were 4 million home foreclosures and if were 4 - million home foreclosures and if your<01:08:37.839>
home <01:08:38.199>and <01:08:38.319 - a foreclosure your home value with a foreclosure your home value dropped<01:08:47.640>
so <01:
US
US Federal 2025-2026 Regular Session
Hearings to examine the Semiannual Monetary Policy Report to the Congress, including S.257, to improve the resilience of critical supply chains. Feb 11th, 2025 at 09:00 am
Banking, Housing, and Urban Affairs Committee
Transcript Highlights:
- Investigations into illegal foreclosures and auto repossessions canceled.
- No more cop on the beat looking out for a family of four in South Carolina facing an illegal foreclosure
- We make no judgments whatsoever made upstream from us, and we are, in fact, the fiscal agent of the Treasury
Bills:
SB257
Keywords:
supply chain resilience, critical supply chains, critical goods, manufacturing, domestic manufacturing, reshoring, nearshoring, supply chain security, supply chain shock, supply chain disruption, critical infrastructure, emerging technologies, semiconductors, microelectronics, artificial intelligence, quantum computing, robotics, advanced manufacturing, blockchain, cybersecurity
MN
Transcript Highlights:
- sale applies in judicial foreclosures as well as foreclosures of advertisement.
- foreclosure sale applies in two specific foreclosure sale applies in two specific circumstances<00:27
- foreclosures of advertisement. foreclosures of advertisement.
- new subsequent foreclosure. new subsequent foreclosure.
- subsequent foreclosure. subsequent foreclosure.
HI
Transcript Highlights:
- ask for consideration to help these organizations, which are often the last stop on issues like foreclosure
- ask for consideration to help these organizations, which are often the last stop on issues like foreclosure
- ask for consideration to help these organizations, which are often the last stop on issues like foreclosure
- be given to helping these organizations, who often times are really the last stop on issues like foreclosure
- They'll be replaced with a total dollar value of possible judgments against the state that have not yet
Summary:
The committee heard several election-related bills first. SB 51, a comprehensive public financing bill for candidates, drew strong support in testimony but also concerns from the Campaign Spending Commission that the Hawaii Election Campaign Fund has only about $2.2 million, far short of what would be needed, and that the program could not realistically start in 2026 because of staffing and system changes; the commission asked for a start date no earlier than 2028. SB 118, which would create a full-time investigator position at the Campaign Spending Commission, was supported by the commission, which said it has lacked staff growth since 1995 and that an investigator is needed to handle investigations instead of having the commission’s attorney do that work. SB 255, a housekeeping bill on excess cash campaign contributions, was supported by the commission and several county officials and would require excess cash contributions over the limit to be returned within 30 days or turned over to the Hawaii Election Campaign Fund. SB 345, which would expand the current partial public financing program, was supported by the commission but drew questions because it would still allow private fundraising; the commission said that under its assumptions the bill would provide more total public funds than SB 51, with a maximum of a little over $20 million versus a little over $15 million for SB 51. Testimony counts were reported as 125 support/48 oppose for SB 51, 26 support/0 oppose for SB 118, 30 support/49 oppose for SB 255, and 30 support/49 oppose for SB 345.
The committee then discussed SB 176 on recount thresholds. The Office of Elections said it would stand on written testimony, and the East Hawaii Republican Party was listed but not present. The Office of Elections explained in response to questions that the bill’s recount trigger would be based on the final election-day count, not the early 6 a.m. tabulation, because the initial count is not complete until later in the day and cured ballots are counted later; the office said it does not want to begin recounts before all election-day ballots are counted. The reported testimony count was 4 support, 50 oppose, and 2 comments.
Finally, the committee heard SB 260, the Judiciary’s biennial budget bill. Judiciary staff requested about $6.17 million in FY 2026 and $6.25 million in FY 2027 for operations, 17 permanent positions and one temporary position, plus $11.9 million for capital improvements. The Judiciary said the request would support specialty courts such as Women’s Court, Truancy Court, and DWI Court, a new Wahiawa District Court unit, an additional district court judge in Kona, cybersecurity, the Criminal Justice Research Institute, and facility projects including South Kohala design work and a Kauai chiller replacement. Civil legal services providers, including Volunteer Legal Services Hawaii, Legal Aid Society of Hawaii, the Legal Clinic, Kuikahi Mediation Center, the Domestic Violence Action Center, the Hawaii State Bar Association, and the Hawaii Access to Justice Commission, all supported the bill but asked for an additional $1 million for the civil legal services line item, saying demand is high and the funding is spread across more providers than before. The Judiciary clarified that some of its requested positions would support Wahiawa and Women’s Court, and that the civil legal services funding goes to organizations serving low-income residents on issues such as immigration, domestic violence, evictions, and foreclosures. The committee also briefly took up SB 279 on fentanyl possession thresholds, where the prosecuting attorney’s office supported the bill and said fentanyl is already driving overdose deaths and that the proposed thresholds target distribution-level quantities rather than personal use.
MN
Minnesota 2025 1st Special Session
House Housing Finance and Policy Committee 2/12/25
Housing Finance and Policy
Transcript Highlights:
- If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
- If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
- If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
- If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
- If in the fines and fees that we know are leading in like a gateway into foreclosures, if foreclosure
TX
Texas 89th Regular
Trade, Workforce & Economic Development Mar 12th, 2025
Trade, Workforce & Economic Development
Transcript Highlights:
- going through with foreclosure.
- So the properties will be posted for foreclosure. or when owners don't pay, and it's a long process.
- And foreclosure really is a remedy of last resort. It's rarely. We rarely have to foreclose.
- Thank You madam chair, you know, I'm not so much concerned about the actual foreclosure.
- I don't think an HOA should be able to go forward with a foreclosure. action for $2,500.
Bills:
HB406
MO
Missouri 2026 Regular Session
Substance Abuse Prevention and Treatment Task Force Jun 24th, 2026
Substance Abuse Prevention and Treatment Task Force
Transcript Highlights:
- I'm on realtor.com and your house is listed for foreclosure. Huh? What? How? Right?
- I'm on realtor.com and your house is listed for foreclosure. Huh? What? How? Right?
- Are we literally seeing an increase in foreclosures?
- Are we literally seeing an increase in foreclosures? Are we seeing more of these things?
- So I can tell you the moment that we can reduce that judgment, that stigma as we get there, it opens
Summary:
The task force meeting opened with new leadership announcements, including Senator Nick Schroer thanking outgoing chair Representative John Black and naming Representative Del Taylor as vice chair. After some initial technical difficulties with audio and Zoom, members reviewed the task force’s statutory charge under Missouri law: to hold hearings on substance use, explore solutions, draft or modify legislation, and produce recommendations for prevention and treatment. The chair said the goal for this year is to develop concrete legislative ideas for the next session, with hearings focused first on field experts and later on alternative therapies and the Department of Mental Health.
Dr. Rachel Winograd gave the first major presentation, describing Missouri’s overdose crisis as increasingly complex and driven primarily by fentanyl, now compounded by xylazine and metatomidine. She said overdose deaths have declined for a third straight year, with preliminary 2025 data around 1,200 deaths, and attributed the decline to a smaller fentanyl supply, wider naloxone availability, and fewer young people entering use. Her main recommendations were to focus on reducing harm rather than trying to eliminate drug use, expand evidence-based medications for opioid use disorder—especially methadone and buprenorphine—improve access to naloxone, and loosen methadone regulations, including take-home doses, the federal 72-hour rule, and broader methadone units. She also emphasized that peer support, housing, transportation, and other practical supports matter, and noted that naloxone can still reverse fentanyl overdoses even when tranquilizers are present.
Dr. Heidi Miller, the state medical director, followed with two recommendations: integrate substance use disorder care into whole-person health care and follow the science when considering substance-related legislation. She argued that primary care, maternal health, workforce training, EMS, public health, and methadone access should all be part of a coordinated model, and said reimbursement should support teams rather than isolated providers. She also urged stronger enforcement of parity between behavioral health/SUD and physical health coverage, and highlighted tobacco and alcohol as major, under-addressed causes of death in Missouri. Dr. Doug Burgess then reinforced the need for a coordinated continuum of care, comparing substance use treatment to the seamless system used for heart attacks, and said patients should have standardized assessment, discharge planning from day one, transition coordinators, peer recovery coaches, and better information-sharing between levels of care. Members asked questions about relapse, treatment court, EMS referral barriers, reimbursement, and whether buprenorphine can be started in the field; no votes were taken, and the meeting ended with plans to continue hearing testimony and use it to shape future policy recommendations.
MN
Minnesota 2025 1st Special Session
Committee on Judiciary and Public Safety - 03/24/25
Judiciary and Public Safety
Transcript Highlights:
- Chapter 580 of our code governs foreclosures by advertisement and the foreclosure sales resulting from
- foreclosures by advertisement.
- A lot of these foreclosure speculators and the way it works in these foreclosure situations is if there's
- Chapter 580 of our code governs foreclosures by advertisement and the foreclosure sales resulting from
- foreclosures by advertisement.