Society's Child
A notice of default is the first stage of the foreclosure process in non-judicial foreclosures states, that is, where foreclosures do not go before a judge.
The notice of default is usually sent when a borrower is 90 days or more overdue in payments, but that timeline has been extended significantly during this housing crisis, due to the so-called "robo-signing" processing scandal and the sheer volume of troubled loans.

'We've been grappling with a crisis for three years,' Obama told the crowd in North Carolina.
Against the backdrop of more negative poll numbers and two special-election losses for Democrats, Obama called on thousands of college students assembled in the steamy Reynolds Coliseum to mobilize behind the plan, a mix of tax cuts and government spending on infrastructure, jobs programs and construction projects.
The 26-minute speech before a crowd of more than 9,000 echoed his remarks in previous days, with a slightly sharper critique of congressional Republicans for suggesting that they don't want to give Obama a political "win" and pass his proposal.

Natasha MacBryde and Jordan Cooper, two of the teenagers whose deaths were mocked by Duffy.
Sean Duffy, 25, targeted Facebook tribute pages and posted videos on YouTube taunting the dead and their families.
Among his victims was Natasha MacBryde, 15, who died instantly when hit by a passenger train near her home in Bromsgrove, Worcestershire.
The day after Natasha's death in February, Duffy posted comments including "I fell asleep on the track lolz" on the Facebook tribute page created by her brother James, 17.
Four days later he created a YouTube video called "Tasha the Tank Engine" featuring her face superimposed on to the front of the fictional engine.
Duffy, who is unemployed and did not know any of his victims, pleaded guilty to two counts of sending malicious communications relating to Natasha.
CBS News correspondent Priya David and her husband Alex Clemens were at their home with their newborn child on Lina Avenue when they heard a banging on the door just after 7 a.m.
"Our first thought was the neighborhood is on fire," resident Alex Clemens said. "I see what turns out to be eight uniformed, armored, armed officers - four of which are pointing guns through the window at my face."

Somalis sail off the harbour of Berbera in Somalia's breakaway Republic of Somaliland on April 30, 2011.
The International Maritime Bureau, which tracks piracy worldwide, said pirates boarded the tanker as it idled about 62 nautical miles from Benin's capital of Cotonou. Pirates struck as the Cyprus-flagged vessel tried to transfer its cargo of crude oil to a Norwegian-registered ship, said Cyrus Mody, a manager at the bureau.
The pirates sailed off with the crew to an unknown location, Mody said.
The ship, called the Mattheos I, had a Filipino crew with Spanish, Peruvian and Ukrainian officers, said Serghios Serghiou, the director of Cyprus' Department of Merchant Shipping.
About 350 teachers were on the picket lines outside of Jason Lee Middle School Wednesday morning.
"As a teacher though I want my students to challenge the status quo, I want them be advocates for themselves and strong members of the community," said Andy Coon, president of the Tacoma teachers union. "There is a time when we want them to stand up to a bully, and that's what we're doing."
"I think the district is totally not negotiating in good faith," said Elizabeth Cruz, teacher. "They put us in this position."
I had not planned on watching the debate because it conflicted with more important activities, like a new episode of The Closer. But even more importantly, it was being held at a time when I had committed to posting a diary for The Grieving Room. That diary was about the death of my brother from a very painful, uninsured struggle against metastatic cancer.
I had planned to write another separate diary about his journey through what passes for health care in a nation fixated on the profits that that care brings. In a nation where his death was cheered in front of a panel of politicians, none of whom had the decency to object. It is not yet a capital crime in this nation to be uninsured.
Steve worked 14 hours a day building beautiful guitars. Songs will not be sung because he died and will make no more. Thanks to the Republican Party's theft of our national wealth, he barely eked out an existence with financial help from my husband and me. Money for health insurance? Don't be ridiculous.
He was 63. He had to start Social Security early so he could afford to eat. He was too young for Medicare and too male for Medicaid. This nation does not recognize the years he spent working for others and making this economy grow, it only focused on the years he worked for himself, creating instruments of rare beauty.

This photo supplied by its subject, Shoshana Hebshi, was taken Tuesday, Sept. 13, 2011. Hebshi said she was strip-searched after being led in handcuffs from a Frontier Airlines flight from Denver to Detroit on Sept. 11. She said she is of mixed Arab-Jewish heritage and was searched solely because of her appearance. She was sitting next to two men who had come under suspicion because of their use of an airplane bathroom. She said she did not know the men. All three were freed after being questioned.
Detroit, Michigan - A U.S. woman said Tuesday that she endured nearly four hours in police custody that included being forced off an airplane in handcuffs, strip-searched and interrogated at Detroit's airport on the 10th anniversary of the Sept. 11 attacks - all, she believes, because of her Middle Eastern appearance.
Shoshana Hebshi, 35, told The Associated Press she was one of three people removed from a Denver-to-Detroit Frontier Airlines flight after landing Sunday afternoon. Authorities say fighter jets escorted the plane after its crew reported that two people were spending a long time in a bathroom - the two men sitting next to Hebshi in the 12th row.
Hebshi said she didn't notice how many times the men went to the bathroom. "I wasn't keeping track," she said.
It may not be a crime to be poor, but it can land you behind bars if you also are behind on your child-support payments.
Thousands of so-called "deadbeat" parents are jailed each year in the U.S. after failing to pay court-ordered child support - the vast majority of them for withholding or hiding money out of spite or a feeling that they've been unfairly gouged by the courts.
But in what might seem like an un-American plot twist from a Charles Dickens' novel, advocates for the poor say, some parents are wrongly being locked away without any regard for their ability to pay - sometimes without the benefit of legal representation.









